When should Social Security start? Compare claiming ages under real market history and real life-table odds — privately, on this device.
This is an educational modelling tool. It compares Social Security claiming ages under stated assumptions; it does not provide personalised financial, tax or benefits advice, and it never names a “best claiming age” — only what the model prefers under these assumptions. Nothing you type here leaves this device. For the full picture — pensions, Roth conversions, your exact account mix, IRMAA detail — use the Senior Portfolio Planner, whose verified benefit, mortality and tax engines this tool imports directly.
Longevity: SSA 2023 period life table, as used in the 2026 Trustees Report. Markets: Aswath Damodaran, NYU Stern (stocks, bonds, bills); inflation from U.S. Bureau of Labor Statistics CPI-U (CPIAUCNS) retrieved from FRED®, Federal Reserve Bank of St. Louis, August 2026. Tax constants: IRS Rev. Proc. 2025-32, IRS Pubs 590-B/915, CMS 2026 fact sheet.
Checking the built-in market history and life table…