Social security benefits estimator for married couples

A non-transitory computer readable medium comprising machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving input data, wherein the input data is associated with a primary earner and a secondary earner in a married couple, including an assumed age of death for the primary earner and an assumed age of death for the secondary earner;
• retrieving, from a database, rules associated with a calculation of Social Security Benefits;
• generating, based on the rules and the input data, a first value when the primary earner and the secondary earner take benefits at a first age, a second value when the primary earner and the secondary earner take benefits at a second age greater than the first age, and a third value when the married couple employs a hybrid approach, wherein the secondary earner collects a reduced benefit at the first age and a spousal benefit at the second age, and wherein the primary earner collects benefits at a third age;
• and
• causing the first value, the second value, and the third value for the primary earner and the secondary earner to be displayed.

A method for calculating estimated Social Security benefits for a married couple, the method comprising:

• receiving, by a calculator of a benefits estimator server configured to automatically update to reflect a change in rules regarding a calculation of Social Security benefits, input data, wherein the input data is associated with a primary earner and a secondary earner in the married couple, including an assumed age of death for the primary earner and an assumed age of death for the secondary earner;
• retrieving, by the benefits estimator server from a database separate from the benefits estimator server, current rules associated with the calculation of Social Security Benefits;
• determining, by the calculator based on the current rules and the input data, a first value when the primary earner and the secondary earner take benefits at a first age, a second value when the primary earner and the secondary earner take benefits at a second age greater than the first age, and a third value when the married couple employs a hybrid approach, wherein the secondary earner collects a reduced benefit at the first age and a spousal benefit at the second age, and wherein the primary earner collects benefits at a third age;
• and
• causing, by the benefits estimator server, the first value, the second value, and the third value for the primary earner and the secondary earner to be displayed.