First: Is this safe? Absolutely. No information is saved. When you close this page, it's gone.

Second: What do you need? Sign in (or sign up if you haven't already) to your personal Social Security account at SSA.gov to get your FRA (Full Retirement Amount). You'll find the number on your page. You may also need your spouse's FRA.

Third: The goal of this calculator is to provide you with as much information as possible to help you create as much income as possible with your spouse before and after survivorship. It is in NO WAY a substitute for professional or legal advice and does not pretend to be.

Fourth: Scroll down to see a graph that shows you four different scenarios based on your age and current FRA value. And below that, you'll find customized suggestions based on your needs and concerns. Ask for clarifications and answers by asking questions at the bottom.

Fifth: This is a bonus for buyers of my book "The Truth About Social Security: How the System Really Works."