Adams Wealth Partners
Retirement Planning Tool
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Social Security Timing Optimizer

Find the optimal claiming age to maximize your lifetime benefits — powered by your personal data

1Your Benefits
2Income Sources
3Your Results
Step One
Your Benefit Information
Social Security Benefit Details
Your estimated monthly benefit at full retirement age — find this on your SSA statement
Determined by your birth year
National average is 78–84 years; adjust based on your health
Used to calculate benefit taxation thresholds
Step Two
Additional Income Sources
Income That Affects Your Benefits
W-2 wages from employment — earnings test applies before FRA
Pensions, IRA distributions, investment income, etc.
How Income Affects Your Benefits
  • Work income above $23,400 reduces benefits $1 for every $2 earned (under FRA, 2026)
  • Up to 85% of Social Security may be taxable depending on combined income
  • All calculations use 2026 federal tax rates and standard deductions
  • Earnings test withholdings are credited back once you reach full retirement age
Your Personalized Analysis
Social Security Strategy
Optimal Claiming Age
—
years old

Calculating your personalized strategy…

Cumulative Benefits by Claiming Age
Detailed Breakdown — All Claiming Ages
Claim Age Monthly Annual Reductions Est. Taxes Net Annual Lifetime Total
Breakeven Age Analysis
Adams Wealth Partners
Nashville, Tennessee · (615) 435-3644
This tool provides estimates based on 2026 Social Security rules and should not replace professional financial advice. Consult with an Adams Wealth Partners advisor for personalized guidance tailored to your complete financial picture.
© 2026 Adams Wealth Partners · Securities offered through Raymond James Financial Services · For informational purposes only