Ignis Hora — the Social Security claiming optimizer

Hora models your Social Security benefit at every claiming age from 62 through 70 — monthly amounts, lifetime totals, and the break-even ages between strategies — with COLA compounding and household coordination for spouses and survivors.

Compare claiming early against waiting for delayed retirement credits using your own benefit estimate, then export a full advisor report. Part of the Ignis Suite of tax-aware retirement tools.

Ignis Tools — nine tax-aware retirement planning tools, one unified Persona. Learn library.