Your Social Security statement may show earnings combined across multiple years in a single row (e.g., 1981–1990). While this is fine for SSA records, it’s not accurate enough for our software. Entering accurate year-by-year data gives you the most reliable results, especially when planning your Social Security strategy.
Why This Matters
To correctly estimate your Social Security benefits, you must enter earnings year by year. If you enter a combined total across several years, your results may be significantly off.
What You Might See
Your SSA statement may look like this:
Only the last two years are listed individually—you’ll need to break down the earlier combined amounts into separate annual entries.
How to Enter Earnings Correctly
You have two options:
Option 1: Import Your Earnings (Recommended)
If you download your earnings history XML file from SSA.gov, we’ll pull in your year-by-year data for you.
Option 2: Enter Earnings Manually
Log in at SSA.gov, and click “Review your full earnings record now.” You’ll see each year listed individually. Then:
Copy the values for each year.
Enter them manually into the Covered Earnings History section in your plan.