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Old 11-04-2020, 09:10 AM   #21
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If the OP is not yet 50, and plans to retire by then, then honestly the SSA PIA estimates are practically SWAG. Inflation adjustments alone will determine the actual amount more than 17 years from now, more than anything else.
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Old 11-04-2020, 10:40 AM   #22
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Quote:
Originally Posted by Dtail View Post
You should be able to add a new estimate. So it can show how your payouts at for example 62, 67 and 70.
However, I believe it would default to you earning the monies until each age. So you can't calculate earning the monies until 62, but then not taking SS until 67.
Right, this is the issue
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Old 11-04-2020, 11:20 AM   #23
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Quote:
Originally Posted by bada bing View Post
I find the graphical presentation by the app at:
https://ssa.tools/
to be the simplest and most straightforward way to view SS.
Just copy your earnings record from ssa.gov and paste it into
the window at ssa.tools.
+2

I like this too. Better output and more convenient than the desktop app.
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Old 11-04-2020, 03:57 PM   #24
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Quote:
Originally Posted by brokrken View Post
Right, this is the issue
Okay then.
It is quite possible that you have many years at or near the maximum earnings subject to SS withholding taxes, plus have gone through the 2nd bend, the incremental earnings might have little effect on your potential increases in SS payouts.
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Old 11-04-2020, 10:55 PM   #25
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Use ssa.tools to find your PIA. It will ask for the table of your income from ssa.gov.

Now take your PIA to OpenSocialSecurity and it supposedly gives you an optimum way to maximise your take. YOu can also include a spouse's PIA and it purports to give you the optimal way to declare for both of you.

Sorry if this was already covered.
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