Social Security Optimizer

SchnackerSoftwareSolutions

About this app

Social Security Optimizer is an independent retirement-planning tool. It is not affiliated with, endorsed by, or a representative of the U.S. Social Security Administration (SSA) or any government entity.
Estimate Social Security retirement benefits using covered earnings, or enter your own monthly SSA benefit estimates. Include your spouse’s information to estimate their own benefit and any eligible spousal supplement.
Compare claiming-age combinations to find the highest projected total Social Security benefits under your entered planning assumptions. Select a combination to view projected benefits and household income over time.
FEATURES
• Separate benefit inputs and claiming ages for each spouse.
• Estimated spousal benefits and early-claiming reductions.
• Optional pension income and future growth assumptions.
• Saved inputs, with clear, export, and import options.
Results are planning estimates, not an SSA benefit determination or a guarantee of the best claiming strategy. Actual benefits depend on eligibility, claiming dates, and individual circumstances. Some survivor and working-while-claiming rules are simplified. Future projections use your selected assumptions.
OFFICIAL GOVERNMENT SOURCES
Government information and published reference data come from the U.S. Social Security Administration:
Retirement claiming-age adjustments:
https://www.ssa.gov/oact/quickcalc/early_late.html
Full retirement age:
https://www.ssa.gov/benefits/retirement/planner/ageincrease.html
Spousal benefits:
https://www.ssa.gov/oact/quickcalc/spouse.html
Survivor benefits:
https://www.ssa.gov/survivor/amount
Benefit calculation:
https://www.ssa.gov/oact/cola/Benefits.html
Benefit formula bend points:
https://www.ssa.gov/oact/cola/bendpoints.html
Taxable earnings limits:
https://www.ssa.gov/oact/cola/cbb.html
National average wage index:
https://www.ssa.gov/oact/cola/AWI.html
Cost-of-living adjustments:
https://www.ssa.gov/oact/cola/colaseries.html
2026 benefit and earnings-test figures:
https://www.ssa.gov/cola/factsheets/2026.html
WEP and Government Pension Offset repeal:
https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html
Official source links are also accessible inside the app.

What’s new

2026 update. New look and feel!