Social Security

Optimize the Social Security claiming age

Given the Primary Insurance Amount (PIA, the monthly benefit at Full Retirement Age) and birth year, computes the benefit at each claiming age 62–70 (applying the SSA early-claim reductions and delayed-retirement credits) and the age that maximizes lifetime benefits to a chosen longevity, plus the 62-vs-70 breakeven age. Amounts are real (today's) dollars; discount_rate is a real rate and present values discount to age 62. Calculation engine output, not financial advice. Deterministic.

post/v1/social-security

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/social-security
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

birth_yearinteger required

Sets the Full Retirement Age.

pia_monthlynumber required

Primary Insurance Amount — the monthly benefit at Full Retirement Age.

longevity_ageinteger required

Life expectancy used for lifetime totals.

discount_ratenumber

Real annual rate for present value (0 = undiscounted).

claim_ageinteger

Optional. Primary's actual claim age, used for the household and earnings-test math. 0/absent = FRA.

annual_earningsnumber

Optional. Annual earned income for the earnings test (benefits withheld while working before FRA).

earnings_test_yearinteger

Required when annual_earnings > 0. Selects the year-keyed exempt amounts (2025 or 2026).

cola_ratenumber

Optional annual COLA; grows benefits from the claim year (nominal projection). 0 = real-dollar default.

survivor_claim_ageinteger

Optional. Age the surviving spouse claims the survivor benefit; before the survivor's FRA it is reduced (max 28.5% at 60). 0/absent = FRA (no reduction). Requires a spouse.

Example request

{
  "birth_year": 1962,
  "pia_monthly": 2800,
  "longevity_age": 92,
  "discount_rate": 0.02
}

Response

Claiming analysis

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "ss_1a2b3c4d5e6f7a8b",
  "engine_version": "social-security-1.0.0",
  "inputs": {
    "birth_year": 1962,
    "pia_monthly": 2800,
    "longevity_age": 92,
    "discount_rate": 0.02
  },
  "result": {
    "full_retirement_age": {
      "years": 67
    }
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.