Rick

I believe I said that I figured out an equation that did the trick ---in fact, it would tell me in what month the benefits of delay exceeded the benefits of not delaying,  which ideally you want to know since benefits increase by month delayed, not year, and you take benefits on a month, not necessarily a birth month.  For me, it was much less time consuming and less messy  than using a spread sheet programme,  much less your paper, pencil, and calculator method to get the answer. 

In any case, I think you have an extraordinarily exaggerated sense of what most Canadians, much less seniors,  will  be able to do without significant risk of error, or feel comfortable doing.  By not providing a tool that does this for Canadians,  "Service"  Canada is not helping people to make rational decisions. Private pension plan management companies in my experience provide such a tool in my experience. Why can't Service Canada?