Social Security Planner

Lifetime Claiming Table

Compare lifetime Social Security income from age 70 through 100 using your SSA numbers and Nou's spousal benefit assumptions.

Selected life expectancy

85 years old

Best claim age at 85

Lifetime total: $0

Best vs claiming at 62

Claiming at 62 total: $0

Your monthly benefit by claim age

Defaults use your SSA numbers from the screenshot plus estimated in-between years.

Nou assumptions

Years older than you Model Nou claiming her own at 62 first
Use this if she collects her own small benefit while waiting for your spousal benefit to unlock.

Monthly income by claiming year

Spousal benefit is based on 50% of your age-67 benefit, reduced if Nou starts before her full retirement age. Your age-67 benefit used: $3,909

You claim	Nou age	Your monthly	Nou monthly	Combined monthly	Combined annual

Lifetime total table, age 70 to 100

Each row assumes both of you live to that age. Highest total in each row is highlighted.

Ignoring COLA, taxes, earnings test, survivor benefits, and future SSA rule changes.

Quick reading of the math

Earlier claiming usually wins at shorter life expectancy because checks start sooner. Later claiming usually wins at longer life expectancy because the monthly amount is higher. Around the crossover range, the lifetime totals can be closer than expected, so the decision is also about cash flow, portfolio withdrawals, health, taxes, and survivor protection.