Compare 6+ claiming strategies side by side. Find your break-even age, maximize lifetime household income, and model survivor benefits — all in one place.
6+Strategies
62–70Claim Range
FRAAuto-Calc
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👤 Primary Earner
👤 Spouse
⚙️ Assumptions & Custom Scenario
✅ Optimal Strategy
⚖️ Break-Even Longevity Analysis
📋 Lifetime Income Comparison — All Strategies
Strategy
Primary Monthly
Spouse Own (FRA)
Spouse Own (Claimed)
Spousal Benefit (FRA)
Spouse Adjusted Monthly
Primary Lifetime
Spouse Lifetime
Total Household
* Asterisk indicates a penalty applies — SSA applies a permanent ~30% reduction for spousal benefits claimed before FRA. 🟢 Highlighted row = optimal strategy.