Free decision tool

Should you claim Social Security
now, or wait?

Millions of Americans are claiming early out of fear. See the real cost for your situation in 60 seconds.

✓ Takes 60 seconds ✓ 100% free ✓ Results sent to your email
A free tool by RetiroGo — Social Security and retirement planning guidance

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Log into ssa.gov/myaccount. Click "Estimated Benefits". Look for "At full retirement age (67)". That monthly amount is your PIA.

Don't know? Enter your annual salary below for a rough estimate:
$
$
Your PIA from your mySocialSecurity account at ssa.gov
Single
Married
Divorced
Widowed
$
Total across 401(k), IRA, savings, and investments
$
Rough estimate including housing, food, healthcare, everything
This adjusts how long you're likely to collect benefits
Good health
Family history of longevity, no major conditions
Average health
Typical for my age, some minor concerns
Health concerns
Chronic conditions or family history of shorter life
Yes, I'm concerned
No, I think it will be fine
← Start over with different numbers ✉ A copy of your results has been sent to your email
Your personalized analysis

Here's what we found, there

Based on the information you shared, here is a snapshot of what your Social Security claiming decision could look like. Take your time reviewing each section. Your full results have also been sent to your email.

If you claim at 62 instead of 70, you could miss out on
$0
in lifetime income (based on your health profile)

How long will your money last?

Want to know your ideal monthly spending?

Your runway above is a snapshot. GreenLight tracks it every month and tells you exactly what you can safely spend, so you never have to guess.

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What this means for you

The numbers above show the general direction. But your specific optimal strategy depends on factors a free tool simply cannot model. Based on what you shared, here's what's still missing:

Your Complete Social Security Report

Your exact filing month, spousal coordination strategy, tax and Medicare implications, and step-by-step instructions you can take to the Social Security office. Built specifically for your situation.

$397 $79

Get my complete report - $79 →
This tool provides educational estimates based on current Social Security law and the 2025 Trustees Report. It is not financial, tax, or legal advice. Your actual benefits depend on your complete earnings history as calculated by the Social Security Administration. Consult a qualified professional before making claiming decisions. All calculations run in your browser. Your name and email are stored securely and used only to send your results and occasional Social Security updates. You can unsubscribe at any time.