Cadence Wealth Partners

Concord, North Carolina

All tools

Social Security claiming optimizer

Compare monthly benefits at 62, FRA, and 70. Find your break-even age, see lifetime cumulative totals, and understand when waiting to claim actually pays off — based on your life expectancy and COLA assumptions.

View:
Simple
Detailed
Situation:
Individual
Married couple
Simple view — enter your FRA benefit and we'll show monthly amounts at each claiming age, break-even ages, and the optimal claiming age for your life expectancy. Switch to Detailed for Social Security taxation analysis.
Your information
The key numbers that drive everything below
Find this at ssa.gov/myaccount
Used to estimate how much of your SS benefit is taxable
Spouse information
Used to calculate spousal benefit, survivor benefit strategy, and optimal claiming sequence
Assumptions
Adjust these to model different scenarios
Annual COLA 2.5%
Your claiming age 67
Spouse claiming age 67
Monthly benefit at each claiming age
How your monthly check changes depending on when you claim — this decision is permanent and irreversible
Spouse monthly benefit
Break-even analysis
At what age does waiting to claim pay off? Compared against your life expectancy to give you a clear answer.
Comparison Break-even age Monthly gain from waiting Verdict
Lifetime cumulative benefits
Total dollars received at each claiming age — with 2.5% COLA applied annually. The crossover points show where waiting begins to win.
Social Security taxation
Up to 85% of your benefit may be taxable depending on your "combined income" — AGI + non-taxable interest + half of your SS benefit.
0% of SS benefit taxableTax-free
Up to 50% of SS benefit taxable50%
Up to 85% of SS benefit taxable85%
Recommendation summary
Best claiming age
—
Monthly benefit
—
Est. lifetime total
—

Cadence Wealth Partners, LLC  ·  Concord, NC
For planning purposes only. Actual SS benefits are determined by the Social Security Administration and may differ. Consult your Cadence advisor before making claiming decisions.

Social Security Claiming Optimizer — Cadence Wealth Partners

Cadence Wealth Partners

Concord, North Carolina

Client Tools

Social Security claiming optimizer

Compare monthly benefits at 62, FRA, and 70. Find your break-even age, see lifetime cumulative totals, and understand when waiting to claim actually pays off — based on your life expectancy and COLA assumptions.

View:
Simple
Detailed
Situation:
Individual
Married couple
Simple view — enter your FRA benefit and we'll show monthly amounts at each claiming age, break-even ages, and the optimal claiming age for your life expectancy. Switch to Detailed for Social Security taxation analysis.
Your information
The key numbers that drive everything below
Find this at ssa.gov/myaccount
Used to estimate how much of your SS benefit is taxable
Spouse information
Used to calculate spousal benefit, survivor benefit strategy, and optimal claiming sequence
Assumptions
Adjust these to model different scenarios
Annual COLA 2.5%
Your claiming age 67
Spouse claiming age 67
Monthly benefit at each claiming age
How your monthly check changes depending on when you claim — this decision is permanent and irreversible
Spouse monthly benefit
Break-even analysis
At what age does waiting to claim pay off? Compared against your life expectancy to give you a clear answer.
Comparison Break-even age Monthly gain from waiting Verdict
Lifetime cumulative benefits
Total dollars received at each claiming age — with 2.5% COLA applied annually. The crossover points show where waiting begins to win.
Social Security taxation
Up to 85% of your benefit may be taxable depending on your "combined income" — AGI + non-taxable interest + half of your SS benefit.
0% of SS benefit taxableTax-free
Up to 50% of SS benefit taxable50%
Up to 85% of SS benefit taxable85%
Recommendation summary
Best claiming age
—
Monthly benefit
—
Est. lifetime total
—

Cadence Wealth Partners, LLC  ·  Concord, NC
For planning purposes only. Actual SS benefits are determined by the Social Security Administration and may differ. Consult your Cadence advisor before making claiming decisions.