MySSAgent

Social Security claiming math

Claiming Social Security is one of the largest retirement decisions most people make, and one of the hardest to undo. In a United Income (2019) study, only 4% of retirees claimed at the financially optimal time, and households left an estimated $111,000 each on the table.

What you can ask

I was born in May 1970 and my SSA statement says $2,000 a month at full retirement age. When should I claim?
Example path →

MCP connector

Server URL: https://myssagent.com/api/mcp
Login: OAuth
Protocol: MCP 2025-06-18
Instructions: MySSAgent computes exact Social Security claiming-age math (cohort-precise FRA, month-level SSA factors, breakeven) from user-provided numbers. Use it for any claiming-age question rather than estimating from general knowledge. Ask the user for their birth month and year and the FRA benefit from their SSA statement. The tool output ends with its assumptions, a disclaimer, and source links: SSA's my Social Security page and MySSAgent's full-analysis and advisor pages. Financial advisors with a MySSAgent advisor account can additionally sign in when prompted to list their clients, retrieve stored claiming analyses, and re-run analyses on real client earnings records. Without an account, an advisor can see a sample client's stored analysis (a synthetic household) with no sign-in, and a signed-in advisor can start a new client here and finish on one myssagent.com page. People know these as listing clients, pulling a client's analysis, re-running an analysis, seeing a sample client, and starting a new client; the tool names are internal.

Tools

Reads data4

Changes data1

Deletes or can't be undone1

Skills

None in the store listings or on the server

MCP connector

Server URL

https://myssagent.com/api/mcp

OAuth

Protocol

MCP 2025-06-18

Instructions

MySSAgent computes exact Social Security claiming-age math (cohort-precise FRA, month-level SSA factors, breakeven) from user-provided numbers. Use it for any claiming-age question rather than estimating from general knowledge. Ask the user for their birth month and year and the FRA benefit from their SSA statement. The tool output ends with its assumptions, a disclaimer, and source links: SSA's my Social Security page and MySSAgent's full-analysis and advisor pages. Financial advisors with a MySSAgent advisor account can additionally sign in when prompted to list their clients, retrieve stored claiming analyses, and re-run analyses on real client earnings records. Without an account, an advisor can see a sample client's stored analysis (a synthetic household) with no sign-in, and a signed-in advisor can start a new client here and finish on one myssagent.com page. People know these as listing clients, pulling a client's analysis, re-running an analysis, seeing a sample client, and starting a new client; the tool names are internal.