For RIAs, advisors & insurance professionals
Eighteen tools help advisors and their clients decide when to claim Social Security. Below, each one is described in its maker's own words, from its own website. They are listed in alphabetical order, not ranked.
MySSAgent publishes this guide, and MySSAgent is one of the tools in it. We have a stake in what you choose, so we held ourselves to three rules. Every statement about another product comes from that company's own website, with the date we read it. We describe what each tool does and leave the judging to you. The list is alphabetical, and our entry uses the same format as everyone else's.
Where a vendor's site does not state something, such as a price, an owner or a launch date, we left it out rather than guess. A missing line means the vendor's site did not say it, nothing more.
Corrections are welcome. If you make one of these tools and something here is out of date, email support@myssagent.com with a link to the page that shows the change. We will update the entry and its date.
Grouped by the method each vendor's own pages describe, with the full-record methods first. Some tools offer more than one method and appear more than once. Within each group, tools are listed alphabetically.
Retrieves the full record from the client's own ssa.gov account: MySSAgent (free Chrome extension, one click).
Imports the full record from the Statement data file (XML) the client downloads from ssa.gov: MaxiFi Planner, Maximize My Social Security, RSSA Roadmap, Social Security Timing (Covisum).
Full earnings history entered by hand or pasted: Income Lab (one of five methods), MaxiFi Planner (manual option), Maximize My Social Security (CSV or copy-and-paste), RightCapital (covered-earnings worksheet).
A benefit amount or PIA entered: Calculus, Income Lab, Open Social Security, RightCapital (the benefit shown on the Statement), Social Security Timing, SSI Optimizer (its intake link also takes an SSA statement upload).
Estimated from income: eMoney (from salary, per a 2024 eMoney blog post), Income Lab (Annual Income), RightCapital (Simple Estimate).
For the other tools, the vendor's pages describe inputs in general terms. Question 1 is the one to ask them.
Built for: people planning their own retirement. Boldin calls itself "DIY Retirement & Financial Planning Software" and offers Boldin Advisors for those who want to work with a CFP® professional.
For claiming: the Social Security Explorer compares claiming ages "for you and your spouse." Boldin says its planner lets you "enter both spouses' records, compare start ages," and see household income over a 20- or 30-year retirement, including what happens if one spouse outlives the other. A planner setting models a future benefit reduction, with a default of 22% starting in 2032 that the user can change.
Price: Basic is free. PlannerPlus is $144 a year after a 14-day free trial; on October 12, 2026 the pricing page said it will rise to $168 a year on October 15. Boldin Advisors is a $3,200 flat fee.
Security, in Boldin's words: "Boldin adheres to SOC2 Type 1 and 2 security controls and our most recent Type 2 certification period was completed September 30, 2025."
Checked October 12, 2026: boldin.com/retirement/pricing · boldin.com/retirement/social-security-strategies · help.boldin.com ("New Feature: add a Social Security reduction") · boldin.com/security
Built for: advisors. ARPI describes it as "a purpose-built Social Security breakeven calculator."
For claiming: it compares two filing strategies for a client, with full spousal and survivor benefit calculation, SSA 2023 period life tables with five health tiers, annual COLA and day-of-birth precision.
How the numbers get in: the advisor enters "Ages, estimated PIAs, marital status, health tier, and the two filing ages you want to compare."
The client receives: a branded, print-ready PDF with the chart, the breakeven and a year-by-year table on one page.
Price: $29 a month, or $290 a year, with a 7-day free trial.
Who is behind it: ARPI's site says "NSSA® is now part of the Advanced Retirement Planning Institute (ARPI)" and that Calculus "was built by the team behind NSSA® and IRMAACP®."
Checked October 12, 2026: arpinstitute.com/calculus · arpinstitute.com
Built for: advisors. HealthView calls ClaimSync and GuaranteeMe its "two newest planning apps," delivered "in simple advisor-facing experiences."
For claiming: ClaimSync "optimizes Social Security benefits based on key factors including retirement age." Its Solvency Adjuster lets the advisor set a benefit reduction of up to 22% and shows the additional savings needed, in a product of the advisor's choosing, to close the gap.
The client receives: "Personalized on-screen illustrations in as little as 2 minutes," "Branded to your firm and/or built into your platform."
Price: through a demo request.
Checked October 12, 2026: hvsfinancial.com/incomeview · hvsfinancial.com/incomeview/claimsync
Built for: advisors, as a full planning platform sold in Plus, Pro and Premier packages.
For claiming: eMoney's 2024 Summit agenda lists a session, "Understanding Social Security Decisions in eMoney," that covers "the optimal strategies and timing for claiming benefits." A January 8, 2026 eMoney blog post on client portals says self-service tools let clients "test scenarios," including "social security claiming strategies."
How the numbers get in: an eMoney blog post on its initial-plan workflow (February 27, 2024) says "Your client's salary will be used to estimate Social Security benefits."
Price: by package, on request. eMoney's FAQ says "pricing may vary based on the unique needs of your organization," and a free trial is offered.
Security, in eMoney's words: its security page lists annual third-party assessments, including a "SOC 2 audit to ensure our company and datacenters are compliant."
Checked October 12, 2026: emoneyadvisor.com/products · emoneyadvisor.com/faq · emoneyadvisor.com/security · emoneyadvisor.com/blog (January 8, 2026; February 27, 2024) · the 2024 eMoney Summit agenda
Built for: advisors. It is "Built into the full Income Lab platform, and available on its own."
For claiming: worker, spousal and survivor benefits; Retirement Earnings Test coverage; heatmaps and optimization; longevity and mortality modeling; future benefit cuts; opportunity cost; break-even points; portfolio and withdrawal stress testing; monthly and annual strategy details. For a married couple, Income Lab says the optimizer "evaluates over 9,000 possible claiming combinations when you account for each spouse's age, spousal benefits, and month-by-month timing," and a "Snap to Optimal" control picks out the optimal claiming strategy.
How the numbers get in: five ways, per its help center: Primary Insurance Amount, Benefit at 62, Benefit on Specified Date, Earnings History (entered year by year) and Annual Income.
The client receives: PDF reports.
Price: $65 per person per month, or $600 per person per year, with a 14-day free trial. The full Income Lab platform starts at $199 a month.
Security, in Income Lab's words: users and those conducting due diligence "may request a copy of our SOC 2 (Type II) report." Income Lab "does not ask for or store" Social Security numbers, full birthdates, account numbers or addresses.
Also on the platform, in Income Lab's words: an "IRMAA appeal calculator" for "Medicare surcharge appeal with SSA-44 form generation," and integrations with "Schwab, Fidelity, Orion, Black Diamond, Redtail, and more."
Launched: announced May 28, 2025, as "the first module rolled out within Decision Lab, Income Lab's new interactive scenario planning platform."
Checked October 12, 2026: incomelaboratory.com/social-security-optimizer · incomelaboratory.com/pricing-social-security-optimizer · help.incomelaboratory.com ("Ways to estimate Social Security income") · incomelaboratory.com/security · incomelaboratory.com/social-security-claiming-strategy-guide · incomelaboratory.com/vs-moneyguidepro · incomelaboratory.com/integrations · incomelaboratory.com (May 28, 2025 release)
Built for: individuals. "MaxiFi creates a lifetime plan for spending, saving, investing, and insurance to help protect your living standard." A user can share a plan with an advisor who has a MaxiFi PRO subscription.
For claiming: its Social Security Maximizer finds "the best Social Security filing strategy to secure the highest benefits."
How the numbers get in: manual entry, or, as MaxiFi recommends, uploading the statement data file (XML) downloaded from SSA.gov.
The client receives: plan results exported as PDF or Excel.
Price: a 14-day free trial with limited features (a card is required), then Unlocked at $149 a year.
Security, in MaxiFi's words: "All customer data is stored encrypted on AWS servers with the AES-256 encryption algorithm."
Checked October 12, 2026: maxifi.com · maxifi.com/pricing · maxifi.com/security · support.maxifi.com ("Importing Social Security History from SSA.gov")
Built for: households and advisors, with the same features for both and custom branded reports for advisors.
For claiming: retirement, spousal, widow(er), divorcee spousal and survivor, child-in-care, child and disabled-child benefits, plus adults receiving disability benefits. Rules covered include the earnings test, early-retirement reductions, recomputation, delayed retirement credits, the family maximum, deeming, break-even analysis and the impact of future benefit cuts.
How the numbers get in: its help center recommends uploading the statement data file (XML) from SSA.gov; CSV and copy-and-paste are also supported.
The client receives: branded reports with a customized cover page.
Price: for households, Standard at $49 a year and Standard Plus at $289 a year (includes an annual expert review). Maximize My Social Security for Advisors is $349 a year and stores up to 100 clients.
Security, in its words: "NO Social Security numbers or names needed."
Checked October 12, 2026: maximizemysocialsecurity.com · maximizemysocialsecurity.com/pricing · maximizemysocialsecurity.com/advisors · support.maximizemysocialsecurity.com ("Import Your Social Security Earnings: XML")
Built for: advisors. "A Comprehensive Planning Platform."
For claiming: the MoneyGuide plan lists "Social Security Optimization" and "Automatic calculation of Social Security."
Price: MoneyGuide is $2,000 per advisor per year, or $175 a month on an annual subscription. The Wealth Studios and Platform tiers are $2,500 and $3,000 per advisor per year.
Security, in MoneyGuide's words: "We DO NOT collect or store Social Security, credit card or account numbers." Its data center "is SSAE-18 SOC 2 type II audited/certified annually."
Checked October 12, 2026: moneyguidepro.com/ifa · moneyguidepro.com/ifa/home/faqs · moneyguidepro.com/ifa/home/products · moneyguidepro.com/ifa/home/security
Built for: RIAs and advisors, Medicare brokers and annuity producers, with one-time plans for individuals and couples.
For claiming: it runs the household's own earnings record against every claiming month from 62 to 70, covering spousal and survivor benefits, the earnings test and Medicare IRMAA coordination. The math is deterministic. Maxine, Your Social Security AI Agent, explains the results in plain language.
How the numbers get in: the client signs in to their own my Social Security account at ssa.gov and clicks "Send to MySSAgent" on the Statement page, using MySSAgent's free Chrome extension. The earnings history arrives with no file to download. A statement file downloaded from ssa.gov can also be uploaded. No Social Security number is collected or stored.
The client receives: white-label reports. Advisors also get the couple's strategy as a household or one spouse at a time, in summary or detail, and an SSA-44 prep worksheet.
Price: Professional is $1,990 a year for a bank of 25 household analyses, with a couple counting once. Premium (150 households) is priced on request. Plans for individuals start at $49.
Security: SOC 2 Type I report issued by KEN & Co. on September 14, 2026, covering controls as of July 31, 2026. A Type II observation period runs August 1 to October 31, 2026.
Checked October 12, 2026: myssagent.com/advisors · myssagent.com/pricing · myssagent.com/security
What it is: "a free, open-source Social Security strategy calculator," written primarily by Mike Piper, CPA, and released under the MIT license.
For claiming: it "runs the math for each possible claiming age (or, if you're married, each possible combination of claiming ages) and reports back, telling you which strategy is expected to provide the most total spendable dollars over your lifetime."
How the numbers get in: the user enters the primary insurance amount (PIA). The site points to the Social Security statement, the calculator at SSA.tools, or a call to SSA to find it.
Price: free.
Data, in its words: "Open Social Security does not save the information that you enter into the calculator."
Checked October 12, 2026: opensocialsecurity.com · opensocialsecurity.com/about · opensocialsecurity.com/legal
Built for: advisors, retirement planners and Medicare specialists who serve high-income clients.
For claiming: Social Security claiming optimization, spousal strategy analysis, break-even calculations, and survivor and filing-status transition analysis, alongside IRMAA modeling with the two-year lookback and Roth conversion scheduling.
How the numbers get in: "Streamlined client onboarding powered by AI," with automated data collection and intelligent form completion.
The client receives: "Client-ready reports under your firm's logo" and a presentation mode for live client meetings.
Price: $139 a month or $1,200 a year for an individual, with a free trial. A $799 case design includes 90 days of the platform. Volume pricing starts at 25 seats.
Security, in its words: its security page lists "SOC 2 Type II Compliant" and "AES-256 encryption."
Checked October 12, 2026: retirementadvisorpro.com · retirementadvisorpro.com/security
Built for: advisors, as a full planning platform with a Social Security Optimization module.
For claiming: "over 700 filing strategies," weighing client ages, relative benefit values, planning horizons, child benefits, family maximums, earnings test adjustments and the advisor's chosen discount rate. In joint plans it generates spousal and survivor benefits automatically, and a separate card models benefits on a divorced or deceased spouse's record.
How the numbers get in: three ways, per its help center: a simple estimate from income, the benefit shown on the client's Social Security statement, or a worksheet of the client's annual covered earnings.
The client receives: Comparison and Summary tabs showing annual and cumulative income for each filing strategy.
Price: Basic $149.95, Premium $209.95 and Platinum $254.95 per advisor per month, with an annual commitment for the first year and a 14-day free trial. The site lists 40+ integrations.
Security, in RightCapital's words: personal information is "encrypted using AES-256," and the AWS and GCP data centers it runs on are accredited under standards including SOC 2 and ISO 27001.
Checked October 12, 2026: rightcapital.com/pricing · rightcapital.com/security · help.rightcapital.com ("Social Security Income," "Social Security Optimization Module," "Spouse Social Security")
Built for: consumers and retirement professionals. NARSSA lists advisors and wealth managers, insurance and retirement professionals, CPAs and tax professionals, benefits and HR advisors, and legal and elder-care professionals.
For claiming: NARSSA says it helps advisors "Analyze retirement, spousal, survivor, divorced-spouse, and family benefits" and model claiming strategies across ages and life scenarios. The consumer version includes an optimization wizard, a Social Security tax calculator, a break-even calculator and a PIA calculator. NARSSA's launch announcement says Roadmap also gives users access to a nationwide call center staffed by trained experts in Social Security.
How the numbers get in: clients upload their own and their spouse's earnings records from ssa.gov through a client portal, as a statement data file (XML).
The client receives: personalized reports to review, download and share.
Price: for individuals and families, a one-time purchase of $175 with lifetime access. For professionals, the software is included in the RSSA® program; see narssa.org for program details.
Integrations and security, in NARSSA's words: "We currently provide custom API integrations for enterprise clients." "NARSSA has successfully completed a SOC 2 Type 2 audit."
Checked October 12, 2026: rssa.com/social-security-software · narssa.org/resources/software · narssa.org/resources/faq · rssa.helpscoutdocs.com ("Instructions: accessing and downloading your earnings record")
Built for: advisors who are Savvy Social Security Planning members.
For claiming: it "Runs through all possible claiming scenarios for single and divorced individuals, married couples, widows, and families with minor or disabled adult children," incorporates cost-of-living adjustments, shows first-year survivor income, and breaks down lifetime benefits under each scenario by the life expectancies the advisor enters. Advisors can add their own scenarios.
The client receives: PDF reports to use as "a visual aid while talking your clients through complicated claiming scenarios." Membership also includes Social Security presentations, a marketing toolkit, learning guides and a CE exam.
Price: membership, through Horsesmouth.
Checked October 12, 2026: savvysocialsecurity.com · savvysocialsecurity.com/software.aspx · horsesmouth.com/mktgpage/social
Built for: advisors. "SOCIAL SECURITY SOFTWARE FOR ADVISORS."
For claiming: sliders and a grid recalculate as the advisor changes options, to "compare options, suggest the best filing strategy, and show the lifetime difference," with benefits by year, taxation details and break-even analysis.
The client receives: a client presentation that Advisor Controls says takes "less than five minutes" to create.
Price: $39.95 a month or $429.95 a year, with a 14-day free trial. It is also part of Advisor Controls' Pro and Elite bundles.
Checked October 12, 2026: advisorcontrols.com/social-security-pro · advisorcontrols.com
Built for: advisors. Covisum's site is "For advisor use only."
For claiming: client and spouse details, life expectancy assumptions and dependents; income the client expects while claiming, for a client who claims before full retirement age while working; a potential future benefit reduction; and how household income changes when one spouse dies and the household moves to a survivor benefit. It integrates with Covisum's Income InSight.
How the numbers get in: the advisor enters the client's benefit amount and date, or imports the earnings record file (XML) the client downloads from SSA.gov.
The client receives: "personalized, client-ready reports," with alternative claiming strategies on screen and in downloadable PDFs.
Price: $49.99 per month per advisor, with a 10-day free trial. Associate licenses are $39.99 per additional user per month. No contract.
Security, in Covisum's words: for individual and small-group customers, "Covisum provides its SOC2 report to assist you in meeting your diligence and monitoring requirements," under a non-disclosure agreement, through its Trust Center.
Checked October 12, 2026: covisum.com/solutions/social-security-timing · covisum.com/pricing · covisum.com/knowledge-base (Social Security Timing demonstration; downloading a client's earnings XML) · covisum.com/lp-data-security-statement · covisum.com/about
Built for: financial professionals, on T. Rowe Price's Financial Advisors/Intermediaries site. It is offered by Retiree Inc., a wholly owned subsidiary of T. Rowe Price Group. Access is by registering for a username and password, and a demo previews the basic features first. Its terms, in effect from November 1, 2025, limit the platform to institutional investors, a group that includes FINRA member firms and SEC- or state-registered investment advisers.
For claiming: custom claiming strategies with side-by-side comparison; spending needs weighed against Social Security income; lifetime, annual and monthly income; longevity risk under several life expectancy outlooks; and the effect of taxes, cost-of-living adjustments and inflation. It handles divorced, widowed and still-working clients.
How the numbers get in: "a few inputs," saved securely for future updates.
The client receives: client-ready reports and side-by-side comparisons.
Launched: announced by T. Rowe Price on April 1, 2025.
Checked October 12, 2026: troweprice.com/financial-intermediary/us/en/ssanalyzer/overview.html · the SSAnalyzer registration page and terms · investors.troweprice.com (April 1, 2025 release)
Built for: advisors. "Built for advisors."
For claiming: it compares "every claiming strategy for a married household," with break-even scenarios, survivor impact and lifetime benefits, and handles FRA adjustments, early-claim reductions, delayed retirement credits and spousal benefits.
How the numbers get in: the advisor enters both spouses' PIAs from the clients' SSA statements, or sends a white-label intake link that captures PIA, FRA, claim age, life expectancy, notes and an SSA statement upload.
The client receives: white-label PDF reports with the firm's logo, colors, advisor details and disclaimer.
Price: $29 a month or $275 a year, with a 7-day free trial. Enterprise licensing is available for multi-advisor firms.
Data, in its words: "All calculations run entirely in your browser."
Checked October 12, 2026: ssioptimizer.com · ssioptimizer.com/terms
AXIOM (Advanced Retirement Planning Institute). ARPI lists AXIOM as "Launching Q4 2026," with early access for ARPI credential holders. ARPI positions it for rule questions rather than calculations: a "regulatory intelligence engine" whose answers cite federal sources, drawing on 40,882 documents including POMS and the Code of Federal Regulations, in ARPI's words. Listed at $29 a month or $290 a year. Checked October 12, 2026: arpinstitute.com/axiom.
This section is ours, and it reads like it. It says what we built. How that sits beside the tools above is yours to judge.
The earnings record, retrieved where it lives. The client signs in to their own my Social Security account and clicks once. The official earnings history arrives in MySSAgent: nothing to download, nothing to find, nothing re-keyed, and no Social Security number. The extension is free in the Chrome Web Store.
A deterministic engine. Every claiming month from 62 to 70 is run against that record for the whole household, and the same inputs always give the same answer. Maxine, Your Social Security AI Agent, explains the result in plain language. She does not do the math.
The couple, as a household. Advisors see a couple's strategy as a household or one spouse at a time, in summary or in detail, with spousal and survivor benefits in the same analysis.
Claiming and Medicare in one conversation. The claiming date moves the income that sets IRMAA two years later. MySSAgent's IRMAA by claiming age view shows how each claiming age moves the household's MAGI against the IRMAA tier lines, built from a household MAGI figure for each tax year. When a client has had a life-changing event, an SSA-44 prep worksheet gets them ready to ask Social Security to set the surcharge on current income. The client asks; Social Security decides.
Priced by household. Advisors buy a yearly bank of household analyses, never seats, with white-label reports and API integrations.
The live demo runs MySSAgent on sample households, the same advisor page your clients' analyses land on.
See the live demo →We started from a list of tools that advisors and their clients name when they ask about Social Security claiming software, then read each vendor's own website: product pages, pricing pages, help centers and security pages. We did not use review sites, listicles, press coverage or wire services. Every page was read on October 12, 2026, and prices were re-checked on October 13, 2026. Prices and features change, so check the vendor's site before you buy, and send us anything we should update at support@myssagent.com.
Products whose own pages did not describe Social Security claiming analysis, such as tax-planning or account-monitoring tools, are not listed.
Sources
This guide is educational and is not investment, tax, legal or compliance advice. It describes each product from its maker's own public pages and does not rank or endorse any of them.
