Social Security Calculator — Massaroni Wealth Management

Social Security Timing Analysis

Answer a few questions to see a preliminary modeled claiming range based on your individual situation.

Educational planning tool only. Results are preliminary estimates based on the information you provide and should not be used as the sole basis for a Social Security claiming decision.

PRELIMINARY MODELED SOCIAL SECURITY CLAIMING RANGE

Important: This result is an educational planning estimate, not a recommendation to claim Social Security at a specific age. Actual benefits, eligibility, and claiming options should be verified with the Social Security Administration before a decision is made.

Working & Earnings Impact

What influenced the analysis

Methodology & Assumptions

Social Security benefit calculation: The tool uses the monthly benefit you provide at full retirement age and applies standard early-filing reductions and delayed-retirement credits through age 70.

Working before full retirement age: The tool uses the 2026 retirement earnings-test limits in current-dollar terms: $24,480 for someone under full retirement age for the full year, with $1 of benefits withheld for every $2 of excess earnings; and $65,160 in the year full retirement age is reached, with $1 withheld for every $3 of excess earnings before the full-retirement-age month. Future limits may change.

Retirement timing: Current earned income is assumed to continue until the retirement age you entered and then fall to $0 for Social Security earnings-test purposes. IRA and 401(k) withdrawals, pensions, interest, dividends, and capital gains are not treated as earned income for the retirement earnings test.

Financial resources: Your financial-asset range and your stated ability to delay Social Security are used as qualitative liquidity inputs when comparing earlier and later claiming. The tool does not assume or project an investment return, portfolio performance, or a specific withdrawal strategy.

Longevity: Health and immediate-family longevity are used as simplified sensitivity inputs. They are not a prediction of your lifespan and cannot predict how long you will live.

Married households: Spouse information is used only for an approximate survivor-benefit sensitivity. This tool is not a complete determination of spousal, survivor, divorced-spouse, disability, dependent, or other Social Security entitlements.

Present-value comparison: The tool uses a 2% real discount rate to compare benefit streams received at different times. This is a planning assumption, not an investment-return projection.

Current-law assumption: The tool models scheduled Social Security benefits under current law and does not predict future legislation, changes to program financing, tax-law changes, Medicare premiums, IRMAA, or individual tax consequences.

Disclosure: This tool is provided for educational and informational purposes only and is intended to provide a preliminary illustration of potential Social Security claiming strategies. Results are estimates based on the information supplied by the user and the assumptions described above. Results may vary, may change over time, and are not guaranteed. The tool does not consider every factor that may affect Social Security eligibility, benefits, retirement income, or an individual's financial circumstances and should not be relied upon as the sole basis for a claiming decision. Results are not financial, investment, legal, tax, or Social Security advice and do not constitute a recommendation to claim benefits at any particular age. Actual benefits and eligibility should be verified with the Social Security Administration. Social Security laws, regulations, benefit provisions, and applicable earnings-test limits may change. Massaroni Wealth Management and LPL Financial are not affiliated with or endorsed by the Social Security Administration or any other government agency.