---
title: "Social Security Claiming-Age Optimizer"
method: POST
path: "/v1/tools/optimize_social_security_claim_age"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Social Security Claiming-Age Optimizer

`POST /v1/tools/optimize_social_security_claim_age`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/optimize_social_security_claim_age`
- Auth: none declared

Models Social Security claiming-age tradeoffs from a claimant's own PIA/FRA statement figures: early-claim reduction and delayed-retirement-credit factors, earnings-test withholding below FRA, lifetime present value at 62/FRA/70/chosen age, and the 62-vs-70 undiscounted break-even age. The annual earnings-test exempt amount defaults to the 2026 figure of $24,480 (SSA, Exempt Amounts Under the Earnings Test) and is overridable via claimant.earningsTestAnnualLimit, so a claimant can supply the amount from their own statement. Only the $1-for-$2 withholding below full retirement age is modeled; the year-of-attainment $1-for-$3 rule is out of scope. Root node of the retirement-decumulation-decisions chain. No SSA API, no PII stored. NaN-safe. Zero network.

**Tool URL:** https://ainumbers.co/chaingraph/art-282-social-security-claiming-optimizer.html

## Request body

- object
  - `claimant` unknown

## Response `200`

Successful tool execution result

- object
  - `birthYear` integer
  - `breakEvenAge62vs70` integer
  - `claimAge` integer
  - `earningsTestAnnualLimit` integer
  - `earningsTestLimitSource` string
  - `fullRetirementAge` integer
  - `lifetimePV` number
  - `longevityAge` integer
  - `monthlyBenefitAtClaimAge` integer
  - `pia` integer
  - `recommendedClaimAge` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)