Welcome, and thanks for using Social Security Optimizer. This page has everything you need to get help.

Contact us

The fastest way to reach us is email: [email protected]. We typically reply within 1–2 business days.

Want a person to review your strategy? Book a free consultation: https://calendly.com/andrew-freedomfinancialplanners/financial-planning-consultation

Getting started

When you first open the app, a short guided setup walks you through a few questions and fills in the calculator for you. Here's what you'll need:

  1. Your Social Security statement from SSA.gov. Sign in (or create a free account) and find your estimated monthly benefit at Full Retirement Age — sometimes shown as your PIA.
  2. Each person's date of birth (and your spouse's, if planning as a couple).
  3. A rough idea of your other retirement income (pensions, IRA/401(k) withdrawals, interest).

After setup, your Dashboard shows your recommended claiming age and how it compares to your current plan. You can change any input anytime under More → Edit My Information, or re-run the guided setup from the same screen.

Frequently asked questions

Where do I find my benefit amount?

Log in at SSA.gov and open your Social Security Statement. Use the estimated monthly benefit at your Full Retirement Age (your PIA). The app uses this as the anchor for every projection.

Is my information private?

Yes. Everything you enter stays on your device. The app has no accounts, no tracking, and collects no data. See our Privacy Policy: Social Security Optimizer — Privacy Policy

Why does the app often recommend delaying?

Benefits grow about 8% per year for each year you wait past Full Retirement Age (up to age 70). For couples, delaying the higher earner also raises the survivor benefit the longer-living spouse keeps for life — which is why waiting frequently wins when you model both lifespans together.

Can I use it if I'm single?

Yes. Turn off “Married” during setup (or in Edit My Information) and the app focuses on your individual benefit, break-even, and taxes.

How is the “optimal” age calculated?