62or70 is a Social Security claiming optimization tool that models spousal coordination, survivor benefits, longevity scenarios, and tax implications to help families maximize lifetime retirement income. It offers a free tier with complete calculations and a one-time $19 premium plan that adds AI-powered strategic insights, customizable assumptions, and PDF reports.
- Artificial Intelligence
- Data & Analytics
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Social Security claiming decisions are complex and highly personal, yet most calculators rely on generic assumptions that ignore family dynamics, health history, and financial circumstances. A single misinformed claiming choice can cost families hundreds of thousands of dollars in lost lifetime benefits, particularly when spousal and survivor benefits are not coordinated properly.
Solution
62or70 is a comprehensive Social Security planning platform that models the full range of variables affecting claiming decisions, including family relationships, longevity expectations, income sources, and tax implications. The tool runs multiple scenarios—such as early versus delayed claiming, spousal coordination, and potential benefit reductions—to show users how each choice impacts lifetime payouts. Its AI-powered engine delivers personalized insights and recommendations based on the user's specific situation rather than population averages. Users can model dependent child benefits, survivor needs, and inflation adjustments to stress-test their strategy against various futures. The platform also provides step-by-step filing guides and downloadable reports for documentation and confidence in decision-making.
Target Audience
Primary users are couples and families approaching retirement or Social Security claiming age, as well as individuals seeking data-driven claiming strategies that account for family coordination and longevity risk.
Features
- Modeling engine that coordinates spousal, ex-spouse, dependent child, and survivor benefits together
- Longevity scenario testing based on personal and family health history, not actuarial averages
- AI-powered personalized insights that identify optimal claiming ages and flag trade-offs
- Customizable assumptions for COLA, investment returns, and risk tolerance in premium tier
- Comprehensive comparison of claiming ages 62 through 70 with lifetime benefit projections
- Social Security solvency modeling to assess impact of potential benefit cuts
- Downloadable PDF reports and complete step-by-step filing guide in premium plan