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Find the Best Strategy—Increase Lifetime Benefits
- Correct decisions can mean tens of thousands in extra retirement dollars
- State-of-the-art software helps you choose the right benefits at the right time
- Explore the impact of future Social Security benefit cuts
- Comprehensive and Powerful — All Cases, Benefits, Rules & Provisions
- Developed by Laurence Kotlikoff, Boston University Professor of Economics
Get What's Yours!
Discover tens of thousands in extra retirement dollars!
- Find your maximized strategy
- Unlimited "what-ifs" with break-even date
- Step-by-Step filing instructions
* Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.
Results will differ based on your specific case and filing strategy.
“Shows you the best time to begin collecting benefits.”
“Maximize My Social Security is one of the two best Social Security tools. It takes into account the widest variety of household configurations."
“This calculator takes the guess out of when to take Social Security benefits.”
Comprehensive and Powerful. All Cases, Benefits, Rules & Provisions.
Shows you when & how to file to achieve the highest lifetime benefits.
Lets you explore the impact of future Social Security benefit cuts.
Fully Compliant with all Laws:
Social Security Fairness Act of 2025, Bipartisan Budget Act of 2015, Guidance on Deeming Rules, Tax Cuts and Jobs Act of 2017
Considers All Major Social Security Benefits
- Retirement Insurance Benefits
- Spouse’s Insurance Benefits
- Divorced Spouse’s Insurance Benefits
- Social Security Disability Insurance Benefits
- Child In-Care Spouse’s Insurance Benefits
- Widow(er)’s Insurance Benefits
- Divorced Widow(er)’s Insurance Benefits
- Child’s Insurance Benefits
- Childhood Disability Benefits
- Surviving Child’s Insurance Benefits
- Father’s and Mother’s Insurance Benefits
Covers All Major Social Security Benefits Rules
- New Social Security laws and grandfathering rules
- Early benefit reductions
- Delayed retirement credits
- The earnings test
- Adjustment of the reduction factor
- Re-computation of benefits
- Option to suspend and reinstate retirement benefits
- Family maximum
- Combined family maximum
- Disabled family benefit maximum
- RIB LIM on widow(er) benefits when deceased spouse claimed early
- Restricted application and deeming rules
- Alternate widow(er)’s benefits when the deceased spouse died before age 62
CEO, MaxiFi
Developed by Social Security Expert Laurence Kotlikoff
Laurence Kotlikoff
President Economic Security Planning, Inc.
B.A. Economics, University of Pennsylvania
Ph.D. Economics, Harvard University
William Fairfield Warren Professor of Economics, Boston University
New York Times Bestselling Author
Learn more about Larry
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Customers Love our Software!
"I love this program and would not have known about spousal benefits for spouses with young children without it."
"I love the detailed yet succinct reports that the program provides for me to present to my clients. The customer service is excellent. They respond quickly to inquiries."
"I really, really like MAXIMIZE MY SOCIAL SECURITY as I was trying to do all of these calculations with a spreadsheet before I found you last year! Your team feels like friends!"
Bob Poole
Social Worker (retired),Sebastopol, CA
Laura Scharr-Bykowsky
CFP®, MBA, Principal,Ascend Financial Planning, LLC
James Tannura
The Radian Group I, Inc.,Shorewood, IL
The Nation's Leading Social Security Maximization Software
Above the Hood
Easy-to-Use Social Security Calculator
Professional and responsive.
No download required.
Below the Hood
Powerful, state-of-the-art software