When Should I Take Social Security to Maximize My Benefits?

When Should I Take Social Security to Maximize My Benefits?
  • Find the best strategy to maximize lifetime benefits
  • Making correct decisions can mean tens of thousands in extra retirement dollars
  • Our state-of-the-art software helps you choose the right benefits at the right time
  • Developed by Laurence Kotlikoff, Boston University Professor of Economics
$40 Annual Household License
$250 Annual Financial Advisor License

“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.”
MaxiFi software running on a laptop
Get What's Yours!
You could be leaving tens of thousands of retirement dollars on the table.
  • Finds your maximized strategy
  • Unlimited What-Ifs
  • 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.

Comprehensive and Powerful. All Cases, Benefits, Rules & Provisions.

Shows you when and how to file to achieve the highest lifetime benefits.

Fully compliant with all laws:
Bipartisan Budget Act of 2015, Guidance on Deeming Rules, Tax Cuts and Jobs Act of 2017.

Considers 11 Types of 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 law 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 the deceased spouse was entitled to reduced RIB
  • Windfall Elimination Provision (WEP)
  • Government Pension Offset (GPO)
  • Restricted application and deeming rules
  • Alternate widow(er)’s benefits when the deceased spouse died before age 62
$40 Annual Household License
$250 Annual Financial Advisor License

Developed by Social Security Expert Laurence Kotlikoff

“Deciding which Social Security benefits to take and when to take them is one of the most important and complex decisions you must make.

My colleagues and I have developed path-breaking and widely acclaimed software tools to dramatically improve personal financial planning.

Our patented software was developed in close consultation with the U.S. government's Social Security technical experts.

It is the nation's premier tool for maximizing your lifetime Social Security benefits.”

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 our story

Customers Love our Software!

"I love this program and would not have known about spousal benefits for spouses with young children without it."

Bob Poole
Social Worker (retired),
Sebastopol, CA
"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."

Laura Scharr-Bykowsky CFP®, MBA, Principal,
Ascend Financial Planning, LLC
"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!"

James Tannura
The Radian Group I, Inc.,
Shorewood, IL
The Most Advanced Social Security Maximization Software
Above the Hood
Easy-to-Use Social Security Calculator
Below the Hood
Patented, state-of-the-art software.
Handles all Social Security benefits for every type of household
Excellent customer support. Professional and responsive.
Online software for PC and Macs. No download required.
Unlimited "what-if" scenarios. Compares strategies and timing.
Same powerful features for households and financial advisors
Financial advisors have special custom branded reports
Safe and Secure—NO Social Security numbers or names needed
Your data resides in a secure SSAE 16 Type 2 data center—highest standard available
Getting Started is Easy
Web-based software. Works on ALL browsers. No download.
$40 Annual Household License
$250 Annual Financial Advisor License