Free Retirement Calculators

These calculators work through the Social Security and Medicare rules with your own numbers. Each one runs in your browser, sends nothing anywhere, and shows the official figures it is built on. They show the tradeoffs and leave the decision to you.

• Social Security Break-Even Calculator

  Compare claiming at 62, at full retirement age and at 70: your monthly checks, the age when waiting pays off, what a surviving spouse would get, and whether your income covers your bills.

• Social Security Earnings Limit Calculator

  Working while you collect before full retirement age? See which checks SSA would stop each year, what it pays back, and how much bigger your check gets at full retirement age.

• Spousal and Survivor Benefits Calculator

  For married, divorced and widowed: your spousal top-up at every age, the survivor benefit after a death, and the order of survivor and retirement benefits that totals most.

• How Long Will My Money Last?

  Run your savings, spending, Social Security and pension through every stretch of market history since 1928, and see how often the money lasted and what was left.

• IRMAA Calculator

  Find out whether your income raises your Medicare Part B and Part D premiums, which bracket you fall in, and how close you are to the next one.