Open Social Security
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Open Social Security is a no-frills, free alternative for Social Security planning. It's open-source, runs entirely in your browser (so your data never leaves your machine), and lets you compare different filing ages and strategies to find the one that maximizes your lifetime benefits. The interface is lean and built for clarity rather than polish, which appeals to DIY retirees who aren't intimidated by a straightforward design.
Works well if you want transparency about how the tool calculates benefits and prefer open-source software on principle. It covers the main scenarios (single, married, divorced) but doesn't pretend to handle every edge case, so you might still need to verify tricky situations with the Social Security Administration or a financial advisor.