Money Rescue · Savings
Pass only
Claim together. Maximise together.
A strategy to add $100k+ to your retirement.
Tell us your ages, earnings, and health – get a personalised claiming strategy, including who should file first, when to delay, and how survivor benefits change the math.
2
claim ages
4
strategies compared
1
survivor factor
The Problem
Most couples leave tens of thousands on the table by claiming too early.
No coordination
Couples often claim independently, missing survivor benefits.
Claiming too early
Starting at 62 permanently reduces your monthly check.
Leaving money behind
The higher earner delaying can boost survivor benefits significantly.
Health not considered
Life expectancy changes the math – few tools account for it.
What you get
Everything you need to maximise your Social Security as a couple.
Optimal claiming ages
Personalised recommendation for when each spouse should start benefits, based on ages, earnings, and health.
Lifetime benefit comparison
Side‑by‑side table of 4 strategies (both at 62, both at 70, higher earner delays, survivor‑focused) with total lifetime dollars.
Survivor benefit analysis
Explanation of why the higher earner delaying often wins even if they die earlier – the surviving spouse gets a larger check for life.
Health‑adjusted timing
Custom advice if life expectancy is above or below average – so you don't wait too long for a short retirement.
How it works
From guessing to optimised strategy in 2 minutes.
1
Answer 5 quick questions
Ages, monthly benefits (PIA), and health estimate.
~2 minutes2
AI builds your analysis
Custom HTML with optimal ages, strategy comparison, survivor analysis, and health adjustment.
~30 seconds3
Claim with confidence
Use the recommended claiming plan when you file – potentially adding $100k+ to your retirement.
10 minutes to review$100k+
potential lifetime gain
2
recommended ages
4
strategies
1
survivor focus
Questions
Everything you need to know.
What if one spouse is much older?
The tool accounts for age differences – it often makes sense for the older spouse to claim earlier while the younger delays, especially if they are the higher earner.
How accurate is the $100k+ figure?
Based on typical median incomes. The exact amount depends on your PIA and longevity. The strategy comparison shows your specific numbers.
Can we claim and then suspend?
The rules have changed. The guide focuses on straightforward claiming ages, not complex strategies like 'file and suspend'.
What if we're already claiming benefits?
You can still adjust – if you're under full retirement age, you may be able to withdraw your application within 12 months. The guide mentions this.
Does this include spousal benefits?
Yes – the lower earner may claim spousal benefit if it's higher than their own. The strategy accounts for that.
Reviews
Real couples, real retirement boosts.
Loading reviews…