Social Security Trade-off Calculator (Python)

A small CLI tool to compare Social Security claiming ages by computing cumulative benefits (or NPV) through a target age and optionally plotting the results.

It supports:

• Entering benefits via an in-script table or a CSV (age,monthly)
• Evaluating totals through a given age (e.g. --through-age 85)
• Plotting cumulative benefits vs age (--plot)
• Optional assumptions: COLA, discount rate (NPV), effective tax
• Finding break-even age between two claim strategies (--compare 62 70)
• Exporting plotted series to CSV (--out series.csv)

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Requirements

• Python 3.x
• matplotlib (only required if using --plot)

Install matplotlib:

python3 -m pip install matplotlib

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Web version (static)

Open index.html in a browser or deploy the repository as a static site on Vercel.

Local preview:

python3 -m http.server 8000

Then visit http://localhost:8000.