Social Security Optimizer:Boss
What is Social Security Optimizer?
Compares Social Security claiming options by age using a birth date and the benefit amount at full retirement age.
Social Security Optimizer:Boss is a free finance app for evaluating when to start taking Social Security benefits. It supports single and married couple profiles, with tabular or graphic reports covering break-even analysis, cash needs fulfillment, and income tax impact. To start an analysis, users enter a birth date and the benefit amount at full retirement age.
Pricing. Social Security Optimizer is free to download, with in-app purchases on the App Store.
Good for
- Deciding when to start Social Security benefits
- Comparing claiming options for a single person or married couple
- Reviewing break-even and cash needs analysis before retiring
Screenshots
Why this app is in A tier
A tier follows from that score within this list. The full explanation, as data.
Social Security Optimizer scores 81 out of 100: rating 76, rating count 72, App Store search rank 80, update recency 95. The four parts are averaged and A tier follows from that score within this list.
Description
When to start taking your Social Security benefits?
This is a critical retirement decision. You may start as early as 62 but the payment reaches full potential at your Full Retirement Age as set by the Social Security Administration. The monthly payment can grow even further if you decide to wait till age 70. It is nice start getting the funds sooner than later but does it really work out better?
Read more
The answer depends on how long you plan on working, marital status, life expectancy, inflation and other factors. A careful analysis is needed to make an informed once-in-a-lifetime decision. This app, Benefit Optimizer for Social Security (Boss) is developed to help you evaluate such important factors and analyze your options.
Boss is designed by financial planning specialists who have been serving professional planners with comprehensive solutions for decades. The essential elements needed to analyze the benefit options are packed in a simple app that can be used by all potential retirees.
Some of the key features of Boss include-
- Benefit profile of Singles
- Benefit profile of Married couples
- Compare options
- Minimal data needs
- Condensed and detailed results
- Tabular or graphic reports
- Break-even analysis
- Cash needs fulfillment analysis
- Income tax impact analysis
- Future value analysis
- Fully documented operation
- Boss displays full-span reports & Graphs that can also be printed:
- Monthly Benefits
- Annual Benefits
- Cumulative Benefits
- First Full Year
- Monthly Payment Graph
- Option Comparing Graph
- Cash Needs Fulfillment Pie Chart
Quick & Easy
Analysis with Boss is quick and simple. All you need for an essential analysis is a birth date and the benefit amount at full retirement age (FRA). The Social Security Administration provides the FRA amount to social security payers periodically. With these two data items entered you are ready to analyze. Pick an eligible month and year to view benefit details. Enter different option and view the comparative results and line graphs for an easier grasp of projected results. This simple exercise can now be expanded with other factors such as the inflation rate, life expectancy, rate-of-return, expenses and tax related information.
Use with confidence
You can use Boss with complete confidence for the security of your data and the integrity of computations. Your data stays in your device all the time until you delete it.
Boss is developed and supported by a team of professionals located in USA that have been providing applications to financial planners for over three decades.
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Questions about Social Security Optimizer
What information does the app need to start?
The listing says a birth date and the benefit amount at full retirement age are all that is needed for an essential analysis. Inflation rate, life expectancy, rate of return, expenses and tax information can be added for a fuller analysis.
Where is my data stored?
Your data stays on your device all the time until you delete it.
What kinds of reports and charts does it show?
The listing describes monthly, annual, cumulative and first full year reports, plus monthly payment, option comparing and cash needs fulfillment pie charts. It also says the reports and graphs can be printed.
Is Social Security Optimizer free?
Social Security Optimizer is free to download, with in-app purchases.
Is Social Security Optimizer right for me?
Social Security Optimizer is built for deciding when to start social security benefits, comparing claiming options for a single person or married couple, reviewing break-even and cash needs analysis before retiring. It sits in the retirement planning list on AppTierList.
Is Social Security Optimizer worth it?
Social Security Optimizer is A tier, ranked #11 of 12 retirement planning apps with a score of 81 out of 100, from a 4.2 App Store rating across 1,428 ratings. It is in the list's top tiers; 10 apps rank above it.
How does Social Security Optimizer compare to Capital Group PlanPremier401k?
Social Security Optimizer is A tier at 81; Capital Group PlanPremier401k is A tier at 81. They score the same. Social Security Optimizer is free to download, with in-app purchases, Capital Group PlanPremier401k is free, with no in-app purchases.
How often is Social Security Optimizer updated?
Social Security Optimizer was last updated on 2026-08-01, 95 days ago.
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All the facts
Ranking
- List
- Retirement Planning (A tier, #11)
- Tier
- A (Excellent)
- Score
- 81 / 100
- Rank in list
- #11 of 12
- Ranking certainty
- settled
Ratings
- App Store rating
- 4.2 out of 5, every App Store country
- Ratings
- 1,428
App
- Price
- Free + IAP
- App Store category
- Finance
- Current version
- (95 days ago)
- Size
- 25 MB
- Requires
- iOS 15.0 or later
- Age rating
- 4+
- Languages
- 1
- Runs on
- iPhone, iPad
Links
- Developer pages
- Website · Support · Privacy policy
- Maker
- not verified
- As data
- JSON · why it ranks here
- App Store data read
App Store data read · ranking