A Social Security claiming optimizer tests different ages to start your benefit and shows which one helps your plan the most.
PortfolioPilot reruns your full retirement plan for each claiming age, with your spouse's ages too if you add them. It shows the best claiming ages it tested, and never one that lowers your chance of success. Part of Platinum.
An illustrative result for a hypothetical plan. Tap a claiming age to see its projection.
Illustrative Social Security optimizer result for a hypothetical plan: five claiming ages with the chance of success and total assets at 90, and the projection for the selected age.
The portfolio is hypothetical, and all figures are for demonstrative purposes only. Nothing shown is a recommendation to buy or sell any security.
Three steps from your accounts to the answer.
Open Plan, then Retirement planning. Enter your ages, monthly budget and Social Security, or keep the defaults.
Add your Social Security benefit and start age. For a couple, add your spouse's benefit and ages.
Open Optimize your plan, then Social Security timing, and press Calculate.
Every claiming age gets the same 1,000 market paths, so only the age changes.
Your benefit is adjusted for each age: smaller if you claim early, larger if you wait.
With a spouse in the plan, it also tests their claiming ages: 62, 63, 65, 68 and 70.
A claiming age that lowers your chance of success is left out, whatever it does to the rest.
Apply the result to your plan, or save it as a what-if scenario to compare later.
Your chance of not running out of money, from 1,000 simulations.
Two ages, two benefits and one shared plan.
Tests Roth conversion schedules bracket by bracket.
Retire later, spend less, and compare with your base plan.
Add your accounts and your Social Security benefit. The optimizer is part of Platinum.
Get startedShort answers here, with a link to the full help center article where one exists.
It depends on your plan. The optimizer tests several ages and shows the one that helps your plan most. Read more in the Help Center →
62, 65, 67, 68 and 70 for you, 62, 63, 65, 68 and 70 for a spouse, plus the ages already in your plan.
Yes, if you enter your spouse's benefit and ages. Read more in the Help Center →
In the planner settings, under People. Read more in the Help Center →
No. Entering your benefit is free; the optimizer is part of Platinum and Pro.
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