Skip to main content
Home
  • About
  • Purchase
  • For Households
  • For Advisors
  • Sign In

Maximize My Social Security Products

Maximize My Social Security helps single or married persons decide when to collect retirement, spousal, widow(er), divorcee spousal, divorcee widow(er), child-in-care spousal, mother (father), young child, and disabled child benefits. Now also handles adults receiving disability benefits!

Features include a web-based platform and side-by-side comparison of the chosen and optimal strategy.

Maximize My Social SecurityTM

For Households

$40

Per Year


Covers all benefits
Run unlimited reports
All devices & browsers

Maximize My Social SecurityTM

For Professionals

$250

Per Year


All household features plus . . .
Handles multiple clients
Customized cover page

Maximize My Social SecuritySM

Expert Review

$250

Per Session

Requires active Household or Professional subscription

1 hour phone consultation
Confirm data inputs
Review and interpret results

Gift Certificate

For Household Version

One-year license

$40

Per Certificate


Purchase a Maximize My Social Security Gift Certificate for a friend or family member. We will send you a gift coupon to give the recipient.

Frequently Asked Question

Can you tell me a little more about the Expert Review?

The expert review consultation includes a 1 hour phone call confirming inputs, reviewing and interpreting results, and exploring allowable what-if scenarios as applicable. The consultant will review your profile ahead of time and you can send a summary of your questions before the consultation. The consultation can also serve as a training session for professionals seeking to better serve their clients. This service is available only to customers with an active individual or professional license, and it should not be used for a renewal or the purchase of a new license.

Can others in my financial planning office use this software?

Your license cannot be shared. Each planner in your firm that provides clients a Social Security maximization plan based on our software must purchase their own license even if plans are being produced centrally (e.g., by a single assistant in the office).

Can I use the household version to help my friends?

Your $40 license is restricted to your use only for your own household. If you have friends and relatives who wish to use the program or have you run it for them, please purchase a separate license for each household. Your license allows you access to the software for a full year from the date of purchase.

How do I renew my subscription?

If you are a current customer, you can purchase again to renew your access to the software for another year. As long as you use the same email at purchase (better yet, login before purchasing!) you'll keep the same account and have access to your existing data. There is no discount price for renewals.

Do you automatically renew my subscription?

Of course not. But we'll hang on to your data for a few months in case you want to renew and not have to enter your data again.

Does your other software do everything that Maximize My Social Security does?

Maximize My Social Security is a separate, stand-alone program that searches over thousands of benefit collection date options to find the one that produces the highest present value of lifetime earnings.

Our ESPlanner products let you enter you own selection dates, but they don't internally calculate which dates are best.

Our MaxiFi Planner products do include Social Security maximization and additional retirement account maximization in addition to base personal financial planning features, though the reports regarding Social Security and filing option information is not as detailed, and the professional version of the product does not include the Longevity and Comparison analysis reports that are available in Maximize My Social Security.

Why use your software when Social Security has free calculators?

The Social Security Administration (SSA) has four different calculators with varying degrees of accuracy from rough estimates to exact calculations of an individual's benefits. Their default assumptions include zero future inflation and zero future real wage growth. They calculate your benefits either on a specified date or give you three benefit estimates, at your earliest date of retirement, at full retirement age, or at your latest date of retirement. Some, but not all calculate surviving child's and surviving spouse's benefits and the Windfall Elimination Provision and the Government Pension Offset.

None of the SSA calculators identify the filing strategy that results in the maximum lifetime benefits. So the SSA calculators don't answer questions like these:

  • For married couples, should one spouse file and suspend?
  • Who should file for spouse's benefits?
  • If you've already started collecting should you suspend collection and reinstate at a later date.
  • Our software calculates all benefits available to individuals and families except parents' benefits. We search across all filing date combinations to find the maximum lifetime benefit. This search typically looks at thousands, tens of thousands, and occasionally hundreds of thousands of possible date combinations to suggest the best strategy.

How do I know my data is secure?

We follow best practices in the financial software industry to keep your data safe and secure.

  • All communication between your browser and our servers uses industry-standard 128-bit encryption.
  • Any data stored in our application database is secured using industry-standard AES-256 encryption.
  • You can optionally set up Two-Factor Authentication (TFA) for your account to require log in verification by a code sent to your mobile phone.
  • Your data is stored in data centers that are protected 24/7 with biometric checkpoints, video surveillance and other industry-standard techniques.
  • We regularly engage third parties to review and test our application and server security.
  • We don't require your real name, so you can run the program with any name you want, or even with no name.
  • We don't require Social Security Number or any account numbers.
  • We don't save or store the credit card number you use for purchase.

Feature Comparison

Maximize My Social Security Households Maximize My Social Security Professionals
Retirement, spousal, and survivor benefits Yes Yes
Child, divorcee, mother and father benefits Yes Yes
Social Security's earnings test Yes Yes
Reductions for early retirement Yes Yes
Re-computation of benefits Yes Yes
Delayed retirement credit Yes Yes
Family benefit maximum Yes Yes
Windfall elimination provision Yes Yes
Government pension offset Yes Yes
Deeming provisions Yes Yes
File and suspend & start, stop, start strategies Yes Yes
Email customer support Yes Yes
Online software--no download required Yes Yes
Works on PC and Mac Yes Yes
Unlimited “what-if” scenarios Yes Yes
Responsive Customer Support Yes Yes
Handles Multiple Clients Yes
Customized Report Cover Page Yes

Other Products

View our range of other financial planning products powered by the Economic Security Computation Engine.

Learn More

Basics: How our product works
Learn more about our company
Customer Support & Privacy Policy
Frequently Asked Questions
Ask Larry about Social Security
Contact Us

Sample Reports

View a sample report for households
View a sample report for financial planners

Our Other Products

ESPlanner

ESPlanner

ESPlanner is our acclaimed lifetime financial planning tool. It calculates what you should save, spend, and insure to maintain your household’s living standard through time. Whether it’s choosing careers, switching jobs, taking Social Security, managing retirement accounts, downsizing your home, or moving states, ESPlanner can find safe ways to significantly raise your living standard. ESPlannerPLUS provides Monte Carlo and Upside Investing. ESPlannerPRO adds special features for financial professionals.

Learn More
MaxiFi Planner

MaxiFi Planner

The only software powerful and accurate enough to calculate your highest sustainable living standard — starting today — with a plan to maintain and raise that amount — for life.

Go to MaxiFi Planner
Analyze My Divorce Settlement

Analyze My Divorce Settlement

We gather your information and run our software to help you reach a fair divorce settlement. We work directly with you and/or your spouse. We also work with divorce attorneys, divorce mediators, and financial planners to evaluate divorce settlement proposals for their clients.

Go to Analyze My Divorce Settlement
Home
Patented Software by Economic Security Planning, Inc. Copyright 2017, All Rights Reserved.
Help & Info
Have questions about
Maximize My Social Security?
FAQ | Contact Us
MaxiFi
Need a full retirement planning and maximization tool?
Learn more about MaxiFi