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.
Side-by-side strategy comparison
Instantly compare five common claiming strategies — both at 62, both at FRA, both at 70, split strategies — 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.
Client-ready PDF reports
One click exports a branded PDF with inputs, strategy comparison, break-even, survivor impact, and compliance disclaimers.
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.
One price. Every client.
Simple monthly subscription. Cancel anytime during your 7-day trial and pay nothing.
Why advisors switch to SS Optimizer
Covisum's Social Security Timing charges $500+ per year. SS Optimizer gives you the claiming analysis that actually matters — at a fraction of the cost, with a modern interface your clients will understand.
- Unlimited client scenarios every month
- Unlimited PDF reports with your firm's branding (coming soon)
- Works in any browser — no install required
- Cancel anytime, all with one click
Billed monthly. Cancel anytime.
- 7-day free trial
- Unlimited household analyses
- Strategy comparison & break-even
- Survivor impact modeling
- Client-ready PDF reports
- Email support
You'll be redirected to Stripe to enter your payment details. You won't be charged until the trial ends. By subscribing you agree to our Terms and Privacy Policy.
Good questions, straight answers
Is this a fiduciary / advisory tool I can show clients?
SS 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. SS 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 $20/month 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 multiple advisors at my firm share an account?
For now, each subscription is intended for a single advisor. Team plans are on the roadmap. Get in touch at support@ssioptimizer.com if you want a multi-seat setup.
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.