# Social Security Calculator — Powerful Benefits Estimator

> Retirement planning tool to estimate Social Security benefits and lifetime net income. (iPhone/iPad app by Denton Kollar.)

- Source: https://appshunter.io/ios/app/social-security-calculator/id1440345286 (this page in markdown: same URL + `.md`)
- Developer: [Denton Kollar](https://appshunter.io/developer/775306928)
- Category: Finance, Utilities
- Price: $0.99
- Rating: 4.10/5 from 8 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.4 · 10 MB
- Languages: American English
- Released: 2019-02-01
- Data updated: 2026-09-04
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/social-security-calculator/id1440345286/reviews.md

## What is Social Security Calculator?

What is the best age to start your Social Security benefits? What if you start at 62 with reduced benefits, but invest and get compound interest? Or is it a good idea for you to wait until 70 for increased benefits?

The Social Security Calculator is a powerful estimating tool that can answer these questions and help you plan for retirement.

[ Features ]

• Estimates the most profitable starting age for your benefits based on your income and life expectancy

• Calculates your potential lifetime net income for all benefit starting ages so you can easily compare the results

• Your date of birth and benefit amount at full retirement age are all you need to know (benefits at FRA can be found on your Social Security statement or by creating an account on SSA.gov)

• Optionally include other monthly income, an interest rate for income, monthly expenses, and an interest rate for expenses

• Optionally disable paying down expenses (potentially useful in situations when compounding income exceeds compounding expenses)

• Detailed results are presented in interactive Summary, Spreadsheet, and Graph formats

• Calculation inputs can be labeled and saved for quick retrieval and comparison

• Robust in-app help via information buttons, getting started guide, glossary, and links to additional resources

[ Interactive Results ]

• Summary - a table of life expectancy ages with their most profitable starting ages for benefits. Rows can be expanded to show your estimated lifetime net income for every life expectancy age. The lifetime net income rows can be tapped to highlight the corresponding cell in the Spreadsheet.

• Spreadsheet -  detailed spreadsheet format showing your estimated lifetime net income for all Social Security starting ages and life expectancy ages. Each lifetime net income cell can be tapped to show more detailed information. The differences in lifetime net income amounts can be easily examined for all benefit starting ages.

• Graph - calculation results displayed as lines depicting estimated lifetime net income for each Social Security starting age. Clearly illustrates the differences in lifetime net income for all benefit starting ages. Any starting age line can be toggled on or off. Tapping a point on the graph will display more detailed information. Supports zooming to show increased granularity.

[ Disclaimer ]

We have carefully followed the benefit rules from the Social Security Administration and have tested to ensure that our calculations are as accurate as possible.  However, since we are not affiliated with the SSA, this app is only intended to be used for reference.  Before making a retirement decision we strongly recommend reviewing SSA.gov and other resources for more information. (The app links to several useful resources in Help > Additional Resources.)

Also please be aware that this app currently does not calculate spousal benefits or survivor benefits.  If you would like us to add this functionality or have any other ideas to improve the app please let us know.

[ Credits ]

• App Design / Development - Denton Kollar
• Original Concept / Consulting - Paul Cichocki

## Key features

- Estimate profitable Social Security benefit starting age
- Calculate potential lifetime net income
- Interactive summary, spreadsheet, and graph results
- Save and label calculation inputs
- In-app help and resources
- Optional inclusion of other income and expenses

## Chart rankings

- #200 in Top Paid · Finance (US App Store)

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/social-security-calculator/id1440345286/reviews.md

### 3/5 — No option for FIRE

*2021-07-10, version 1.0.1*

It would be nice if it calculated the 2 bend points and allowed us to calculate based on less than 30 years of work history.

### 4/5 — Excellent. Almost a 5 Star

*2020-09-27, version 1.0.1*

No spreadsheet export.

### 5/5 — Succinct and Simple

*2020-08-09, version 1.0.1*

I like the simplicity of this App.  Would also like to see the Spousal Benefit added to it.

### 1/5 — Ridiculous

*2019-03-09, version 1.0.1*

After purchasing the app , it basically tells you to get all of your information from SSA.gov 
It’s only a dollar I wasted , but it also wasted my time ..

## Frequently asked questions about Social Security Calculator

### What is the Social Security Calculator?

The Social Security Calculator is a powerful estimating tool designed to help you plan for retirement by answering questions about the best age to start your Social Security benefits and comparing potential lifetime net income.

### How does the Social Security Calculator work?

It estimates the most profitable starting age for your benefits based on your income and life expectancy. You can optionally include other monthly income, interest rates, and expenses to refine the calculations.

### What kind of results does the Social Security Calculator provide?

Detailed results are presented in interactive Summary, Spreadsheet, and Graph formats. These formats allow you to easily compare potential lifetime net income for different benefit starting ages and life expectancies.

### What information do I need to use the Social Security Calculator?

You only need your date of birth and your estimated benefit amount at full retirement age. This information can be found on your Social Security statement or by creating an account on SSA.gov.

### Does the Social Security Calculator calculate spousal or survivor benefits?

No, the app currently does not calculate spousal benefits or survivor benefits. The developer is considering adding this functionality in future updates.

### Is the Social Security Calculator accurate?

The developers have carefully followed the benefit rules from the Social Security Administration and tested the calculations for accuracy. However, it is intended for reference only, and users are encouraged to consult SSA.gov for official information before making retirement decisions.

### What devices is the Social Security Calculator available on?

The Social Security Calculator is available on iPhone, iPad, and iPod. It is designed for iOS devices.

### How much does the Social Security Calculator cost?

The Social Security Calculator is a paid app, priced at $0.99. It does not have in-app purchases or advertisements.

## Version history (last 2 releases)

### 1.0.1 — 2019-02-05

Fixed a few minor UI issues and improved help documentation.

### 1.0 — 2019-01-30

No release notes.

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## More apps by Denton Kollar

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All apps by Denton Kollar: https://appshunter.io/developer/775306928

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*