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 before making a major decision. 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 different break-even points based on your age. And below that, you'll find customized suggestions based on your needs and concerns. And you can continue to 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."