The Social Security claiming tool your clients deserve
Compare every claiming strategy for a married household in seconds. Model break-even scenarios, survivor impact, and lifetime benefits — then export a client-ready PDF report.
Everything you need for a Social Security conversation
Purpose-built for the claiming analysis you actually walk clients through — not a generic retirement calculator.
Client intake link
Send prospects and clients a white-label link that captures PIA, FRA, claim age, life expectancy, notes, and an SSA statement upload — all under your branding. Submissions land directly in your case list.
Side-by-side strategy comparison
Instantly compare common claiming strategies — your chosen ages, both at 62, both at FRA, and delay both to 70 — and see the lifetime-benefit gap in dollars.
Break-even analysis
Find the exact age at which delaying past 62 or FRA pays off. Helps clients weigh "take it now" vs "wait for the raise."
Survivor impact modeling
Show clients what the surviving spouse's benefit looks like under each strategy. The "widow's cliff" becomes a real, quantified conversation.
White-label PDF reports
Upload your firm's logo, pick your colors, and every report hands off with your branding — advisor name, firm, contact info, and disclaimer included. Included on every plan.
Spousal & survivor rules built in
Handles FRA adjustments, early-claim reductions, delayed retirement credits, and spousal benefit calculations correctly.
Claiming timeline visualization
A clean, month-by-month timeline shows exactly when each spouse's benefit starts and how it stacks up over retirement.
From intake to PDF in under two minutes
Enter both spouses' PIAs
Pull the numbers from the SSA statements your client brings. Set their FRAs, claiming ages, and life expectancy assumptions.
Run the comparison
See all five strategies ranked by estimated lifetime benefit, with the optimal approach flagged. Adjust assumptions on the fly.
Review the scenarios
Walk the client through the break-even chart and survivor impact. Answer "what if she lives to 95?" live in the meeting.
Export the PDF
One click, one client-ready deliverable. Hand it over after the meeting or attach it to your follow-up email.
Less than a cup of coffee a day.
Start with a 7-day free trial on either plan. Cancel anytime before day 7 and pay nothing. Covisum charges $500+ per year — we charge a fraction of that.
Billed monthly. Cancel anytime.
- 7-day free trial
- Unlimited household analyses
- Strategy comparison & break-even
- Survivor impact modeling
- White-label PDF reports (your logo & colors)
- Client intake link (your branding)
- Email support
Month-to-month. Upgrade to annual anytime.
Billed once per year. Two months free vs. monthly.
- 7-day free trial
- Everything in monthly, plus:
- Save $73 per year (~21%)
- White-label PDF reports included
- Client intake link (your branding)
- Priority email support
- Lock in this rate as we add features
- One invoice for the whole year
You'll be redirected to Stripe. You won't be charged until the trial ends. Agreeing continues our Terms and Privacy Policy.
Unlimited client scenarios · Unlimited PDF reports · Works in any browser · Cancel in one click
Good questions, straight answers
Is this a fiduciary / advisory tool I can show clients?
SSI Optimizer is an educational calculator built to support your conversations with clients. It is not a fiduciary recommendation and doesn't constitute financial advice. As the advisor, you are responsible for interpreting results and applying them to your client's situation. The PDF output includes the appropriate disclaimers.
How is this different from Covisum or the SSA's estimator?
The SSA tools are single-person, generic, and don't model household strategy trade-offs. Covisum is thorough but costs 5–10x more and has a dated interface. SSI Optimizer focuses specifically on the claiming conversations most advisors actually have: "when should each of us start, and what happens if one of us passes first?"
Does the trial require a credit card?
Yes — Stripe captures payment details at signup but won't charge anything for 7 days. If you cancel before day 7, you pay $0. After day 7, you're billed $29/month (or $275/year if you chose annual) until you cancel.
Can I cancel anytime?
Yes. One click in the billing portal cancels your subscription immediately. No phone calls, no retention scripts.
Is my client data stored anywhere?
No. All calculations run entirely in your browser. We never receive, store, or transmit your clients' information. Only your advisor account email is stored (by Stripe, as part of your subscription).
Do you offer refunds?
All sales are final after the 7-day trial. You can cancel at any time to stop future charges, but we don't refund past months. This is why the trial exists — use it fully before paying.
Can I white-label the PDF report?
Yes — on every paid plan. Upload your firm's logo, pick header and accent colors, add your advisor name, credentials, phone, email, and website, and optionally replace the default disclaimer with your firm's compliance language. Every PDF you generate uses those settings until you turn it off. Manage it under Brand & reports in the app.
How many devices can I use with one account?
Each account works on up to 4 devices — typically an office desktop, a laptop, a tablet, and a phone. You can see and manage the devices on your account at any time under Brand & reports → Devices, and remove one if you need to free a slot for a new device.
Can multiple advisors at my firm share an account?
Each subscription is for a single advisor and allows up to 4 devices for that advisor's own use. If you want seats for a team, a shared client library, or centralized billing, reach out about enterprise licensing — we build custom plans for multi-advisor firms.
Running a multi-advisor team?
Individual accounts include 4 devices. For firms that need more seats, centralized billing, a shared case library, or a custom white-label agreement, we offer enterprise licensing. Tell us a bit about your team and we'll come back with a proposal.
Try it for free, no pressure
Run a real client scenario in your first 10 minutes. If it doesn't earn a spot in your workflow, cancel before day 7 at no cost.