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

Let's get started

Enter your name and email so we can send you your personalized results.

We'll send your results here. No spam, unsubscribe anytime.
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
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?

This is a one-time snapshot. Your real runway changes every month with markets, spending, and inflation. GreenLight tracks this for you monthly →

What this means for you

This tool showed you the direction. Here's how to get the exact plan:

ClaimRight
Know exactly when to file
Your exact filing date, spousal timing, and step-by-step claiming plan you can take to SSA.
$397 $79
Get my claiming plan →
GreenLight
Know exactly what you can spend
GreenLight monitors your savings runway monthly and tells you your safe spending amount.
from $97/month
Start monitoring →

Want the full picture?

This tool showed you the direction. Get a complete, personalized Social Security analysis with your exact filing strategy, tax implications, and step-by-step action plan.

Get your complete report →
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.