Social Security calculators can be very useful, if used properly.
The accuracy of results is also extremely important, because
either you, or a financial planner, will use the results from the
calculator to put together a plan for income during your retirement.
Different calculators sometimes produce very different results. Rather
than expecting perfection out of any single Social Security calculator. I
suggest getting a “second opinion.” You can simply check your situation
by running more than one calculator.
And for a professional "second opinion", I recommend that you engage the services of a fee-only CFP®.
Contact me to learn more about how I can help you create your Retirement Paycheck - a practical way to think about how you will pay yourself during your retirement years.