Social Security Estimate vs Whenwise

Social Security is one of the biggest retirement decisions you'll make — and for couples, the timing of two claims can be worth hundreds of thousands of dollars over a lifetime. Social Security Optimizer shows you the smartest way to claim. Enter the estimate from your SSA.gov statement once, then see your benefits across every claiming age — and let the couples optimizer find the combination that maximizes what you keep over both lifetimes. WHAT YOU CAN DO • Claiming Age Explorer — your monthly benefit at every age from 62 to 70. • Break-Even — compare claiming early vs. waiting and see your crossover age. • Couples Optimizer — searches every combination of claim ages for both spouses to maximize lifetime household benefits, including the survivor years. • Spousal & Survivor — model the up-to-50% spousal benefit and up-to-100% survivor benefit. • Taxes & Medicare — see how much of your benefit is taxable, plus the earnings test and Medicare IRMAA. WHY COUPLES Free calculators stop at single break-even math. The winning move — the lower earner claims earlier while the higher earner delays to lift the survivor benefit — only appears when you model two lifespans together. That's what this app does. PRIVATE BY DESIGN Everything stays on your device. No account, no tracking, no data collection. IMPORTANT Educational estimates only — not financial, tax, or legal advice, and not a guarantee of benefits. Actual benefits are determined by the Social Security Administration. Not affiliated with or endorsed by the SSA. Figures reflect 2025 rules and the numbers you enter.

When should you take Social Security? Whenwise shows you, to the dollar. Enter your birth date and recent earnings. In under a minute, see your estimated monthly check at 62, 67, and 70, computed with the Social Security Administration's own published formula and 2026 values. This first estimate is free, and nothing leaves your iPhone. UNLOCK YOUR FULL CLAIMING PLAN A Whenwise Plan subscription unlocks everything Whenwise computes for the claiming decision: • Every claiming month from 62 to 70: slide and compare • Break-even analysis with your own planning horizon • Spousal benefits, finally clear, including the couples' grid • What you'll actually keep: benefit taxation and Medicare IRMAA awareness • RMD calculator from the official IRS table • Advisor-ready PDF report you can print and share • Import your my Social Security statement so estimates use SSA's actual record of your earnings, read on your iPhone and never sent anywhere • Fresh numbers every October when SSA announces the new year • Tap any card for a plain-English explanation WHENWISE PLAN PRICING $39.99 per year with a 7-day free trial, or $4.99 per week. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. PRIVATE BY DESIGN No account. No email. No SSN. Your information stays on your iPhone. HONEST BY DESIGN Every number is labeled with its assumptions and sources: the Social Security Administration's published formulas, IRS tables, and Medicare's official premium schedule. What we don't compute, we say so in plain English. Whenwise provides educational estimates, not financial advice. Whenwise is independent and is not affiliated with, endorsed by, or connected to the Social Security Administration. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms: https://whenwiseapp.com/terms · Privacy: https://whenwiseapp.com/privacy