Social Security. Optimized.
Whether you're planning your own retirement or advising clients, we apply every rule that applies to your situation — across all 27 chapters of the Social Security Handbook — to find the optimal claiming strategy.
RSSA®-credentialed review · Strategies from $49
The download step is dead. One click sends your Social Security statement straight to analysis.
No XML file to find, save, or re-upload. Our free Chrome helper adds a “Send to MySSAgent” button right on your statement page at ssa.gov.
Sends your earnings by year plus SSA’s own estimates — never your SSN, name, or address. Your statement file is never saved or uploaded.
Free · Chrome · 2-minute setup
How Can We Help You?
MySSAgent serves individuals and advisory firms — choose your path.
I’m Planning My Retirement
Get a personalized Social Security claiming strategy in 5 minutes. Know exactly when to file and how much you’ll get.
- Free 5-minute SS IQ quiz
- Reports starting at $49
- Expert review available from RSSA®
I Advise Clients
Give every client expert Social Security analysis — advisor-branded reports, unlimited analyses, and the tool SSAnalyzer users are looking for.
- See the live demo — no account needed
- Client bands from $1,990/yr — 25 households
- Advisor-branded client reports
Social Security Is Complicated. Your Retirement Shouldn’t Be.
Social Security's rulebook runs 27 dense chapters. One missed detail can cost you thousands.
Most Americans don’t know their optimal claiming age—they guess based on myths.
The difference between optimal and suboptimal claiming adds up to six figures. Forever.
Lorraine Almost Missed $147,000 in Survivor Benefits
Lorraine lost her spouse and was planning to file for her own Social Security at 65—two years before her full retirement age of 67. She had no idea she was eligible for survivor benefits.
Jackie explained a better strategy: collect survivor benefits first as bridge income, then switch to her own retirement benefit at 70—letting it grow with delayed retirement credits.
The result? An additional $147,000 in lifetime benefits she would have completely missed — found by a Registered Social Security Analyst® reading her actual record.
Lorraine's Benefit Increase
$147,000
Additional lifetime benefits
Analysis by Jackie Payne, RN, BSN, RSSA®. Individual results vary.
There's A Better Way
Get your personalized Social Security strategy in minutes—not weeks.
Your optimal claiming age (down to the month)
Projected lifetime benefits comparison
Spousal coordination strategy (if applicable)
Step-by-step action plan
Unlike generic calculators, MySSAgent analyzes YOUR unique situation—health, income, spouse, savings, pension—to find the strategy that maximizes YOUR lifetime benefits.
Your Personalized Report
ExampleSample report. Your results will be personalized to your situation.
Your Personalized Strategy in 3 Simple Steps
Answer a Few Questions
Simple questions about your work history and goals. No SSN required.
Get Your AI Analysis
Our AI applies every relevant rule to find your optimal claiming strategy.
Claim With Confidence
Know exactly when to claim and why—backed by data, not guesswork.
Answer a Few Questions
Simple questions about your work history and goals. No SSN required.
Get Your AI Analysis
Our AI applies every relevant rule to find your optimal claiming strategy.
Claim With Confidence
Know exactly when to claim and why—backed by data, not guesswork.
WHO'S BEHIND MYSSAGENT
A Mother-Daughter Team on a Mission
Jackie Payne
RN, BSN, RSSA®
Patrice Ayling
Founder
After 30 years in nursing and healthcare advocacy, Jackie became a Registered Social Security Analyst® — and discovered that most Americans are losing six figures by claiming wrong.
Her daughter Patrice built the technology to fix it.
Together, they created MySSAgent to bring expert-level guidance to everyone — not just those who can afford hours of an expert's time.
Real Results from Real People
"Jackie helped her client, Lynn, understand that she was subject to the earnings test as she was currently collecting survivor benefits while working. Lynn, aged 63, is under her full Retirement Age and thus only allowed to make $24,480 per year (2026 limit). She exceeded this amount through employment, which reduced her benefit. Jackie recommended that she continue collecting survivor benefits, be aware of the earnings test and wait until Full Retirement Age (FRA) of 67, allowing her to collect 100% of her Social Security retirement benefit."
— Lynn
Earnings Test Strategy
Choose Your Path to Optimized Benefits
Every plan starts with our AI-powered analysis of your full earnings history.
Do It Yourself
For self-starters who want the data
- Full scenario analysis (ages 62–70)
- Personalized optimal claiming strategy
- The full SSA claiming rulebook applied
- Break-even & lifetime value comparison
- Spousal coordination overview
- Personal dashboard and PDF report
- Filing checklist
- 1-year access + 24/7 Maxine chatbot
Do It With Me
For couples & complex situations
- Everything in DIY, plus:
- 60-min consultation with RSSA® Jackie Payne
- Spousal coordination deep-dive (both spouses)
- Expert Q&A — no question is off-limits
- Advisor strategy coordination
- Final strategy confirmation before you file
Do It For Me
For full concierge optimization
- Everything in Do It With Me, plus:
- Up to 4 hours of hands-on RSSA® time
- Full analysis run on your behalf
- Available until your filing date
- Complex situations welcome — divorce, survivor, disability
Do It With Me
For couples & complex situations
- Everything in DIY, plus:
- 60-min consultation with RSSA® Jackie Payne
- Spousal coordination deep-dive (both spouses)
- Expert Q&A — no question is off-limits
- Advisor strategy coordination
- Final strategy confirmation before you file
Do It Yourself
For self-starters who want the data
- Full scenario analysis (ages 62–70)
- Personalized optimal claiming strategy
- The full SSA claiming rulebook applied
- Break-even & lifetime value comparison
- Spousal coordination overview
- Personal dashboard and PDF report
- Filing checklist
- 1-year access + 24/7 Maxine chatbot
Do It For Me
For full concierge optimization
- Everything in Do It With Me, plus:
- Up to 4 hours of hands-on RSSA® time
- Full analysis run on your behalf
- Available until your filing date
- Complex situations welcome — divorce, survivor, disability
Not ready yet? No problem.
Get free Social Security insights delivered to your inbox — no commitment.
Frequently Asked Questions
Our AI engine applies every SSA rule that fits your specific situation — across all 27 chapters of the Handbook: earnings history, marital status, health, spousal benefits, and more. We analyze every possible claiming age combination (62–70) and produce a personalized report showing your optimal filing month, expected lifetime benefits, and break-even analysis.
No. MySSAgent is an independent, privately-owned tool. We are not affiliated with, endorsed by, or connected to the SSA or any government agency. All calculations are based on current SSA rules, which are subject to change.
SSAnalyzer still exists, but open independent access appears to have narrowed behind T. Rowe Price's advisor gate. MySSAgent is a fully independent alternative — not owned by any asset manager. We offer direct-to-consumer plans starting at $49 and client-band advisor licenses from $1,990/yr, with human expert review from RSSA® Jackie Payne.
The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) were repealed under the Social Security Fairness Act, signed January 5, 2025. MySSAgent’s engine reflects this repeal. If you were previously affected by WEP/GPO, your benefits may have changed significantly — run an updated analysis to see your new optimal strategy.
Jackie Payne is a Registered Social Security Analyst® and licensed Medicare Insurance Broker. In the “Do It With Me” ($299) tier, you get a 60-minute consultation covering spousal coordination, earnings-test optimization, Medicare IRMAA impacts, and a final strategy confirmation before you file. The “Do It For Me” ($997) tier includes up to 4 hours of dedicated time for complex situations.
Yes. Advisor licenses are priced by clients, not seats — a yearly bank of household analyses your whole team shares (couples count once, re-runs free). Professional is $1,990/yr (or $181/mo) for 25 household analyses; Premium (150 households/yr) and Enterprise contracts are sized on a quick call. See the live demo at myssagent.com/advisors — no account needed.
Yes — 14 days, no credit card, cancel anytime. Every B2B plan includes the full trial. Schedule a quick onboarding call and you’ll be running client analyses within the hour.
We take security seriously. MySSAgent uses enterprise-grade encryption (AES-256 at rest, TLS 1.3 in transit). We’re pursuing SOC 2 Type II certification, and we never sell or share your personal data. Your information is used only to generate your analysis.
One chance to get it right. Forever.
96% of Americans claim at the wrong time. Don’t leave $111,000 on the table.
Both paths start free. No credit card required.