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" ... Not all calculators are created equal. Some use national estimates for closing costs that do not take into consideration local differences for title and recording fees, which can be substantial in states like Florida. The calculator needs to consider all information, as, for instance, an eligible non-borrowing spouse’s age is considered in the calculation of the available proceeds. ... "
" ... You may want to consider using the software to calculate your projected benefit rate and analyze the filing options so that you can determine the best strategy for maximizing your benefits. Social Security calculators provided by other companies or non-profits may provide proper suggestions if they were built with extreme care. Best, Larry ... "