OpenChainGraph Suite · ART-282 · Retirement Decumulation
Social Security Claiming-Age Optimizer
Model claiming-age tradeoffs from a claimant's own PIA and estimated Full Retirement Age (FRA) statement figures: early-claim reduction (Sec.202(q)), delayed-retirement credit (Sec.202(w)), earnings-test withholding below FRA (Sec.203(f)), lifetime present value at 62/FRA/70/your chosen age, and the 62-vs-70 break-even age. Root node of the retirement-decumulation-decisions chain. No SSA API, no PII stored. Zero network.
Social Security Act §202/216(l)DecumulationZero PIIW3C VC §13.11
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ The earnings-test exempt amount here is the 2025 figure ($23,400). The 2026 amount is $24,480. This tool has no input that overrides the exempt amount, so for a claimant below full retirement age with earnings above it, the withheld benefit is overstated by up to $540 a year. A corrected release is scheduled.
Scope
Root node of retirement-decumulation-decisions chain (art-282→283). Figures are USER-SUPPLIED off the claimant's own SSA statement, never fetched. Earnings-test limit is a labeled annual snapshot fixed in the kernel, not a caller input. Re-verify it against the current year before relying on the withholding figure. Lifetime PV uses a portable compounding loop (no engine-specific transcendental math), so the same inputs always produce the same output on every JS engine.