Deciding when to take Social Security is very tough thanks to the system's enormous complexity. Making the right decision can make a huge difference to your retirement.

Maximize My Social Security helps you decide when to collect the retiree, spousal, survivor, divorcee, parent, and child benefits to which you are entitled.

Maximize My Social Security costs $40 for an annual individual license and $200 for a financial planner's license (which accommodates multiple clients).

The program finds the benefit collection dates that maximize your lifetime benefits and compares these benefits with those based on your intended collection dates.

Maximize My Social Security is comprehensive. It takes into account Social Security's earnings test, reductions for early retirement, re-computation of benefits, delayed retirement credit, family benefit maximum, windfall elimination provision, government pension offset provision, and option to file and suspend.

Maximize My Social Security was developed by Boston University economist Laurence Kotlikoff, software engineer Richard Munroe, and other professionals at Economic Security Planning, Inc., which markets personal financial planning programs.