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Retirement math,
made plain.

The decisions that come with a date — when to claim Social Security, how much your RMD is, whether IRMAA will raise your Medicare bill — worked out with the official 2027 numbers, and explained like a person would.

When to claim Social Security RMD calculator

2027 at a glance

Verified October 23, 2026
Every 2027 number, with sources

Start with your question

Each answer opens a calculator that shows the number first, then the rule behind it.

When should I start Social Security?Claiming age & break-even How much do I have to take out of my IRA this year?Required minimum distribution Will my income push my Medicare premium up?IRMAA surcharge check I’m still working — will Social Security hold back my checks?Working while collecting How much of my Social Security will be taxed?Taxes on your benefits What will Medicare cost us next year?Medicare premiums I inherited an IRA. What do I have to withdraw?Inherited IRA RMDs Does my state tax my retirement income?State retirement taxes

Personal

Every date that matters for your birth year

Full retirement age, the month you can first claim, when Medicare starts, the year your RMDs begin, and how much claiming early or late changes your check.

Show my dates
Full retirement age chart

Coming up

The retirement calendar, 2026 → 2027

  1. Oct 15 – Dec 7, 2026Medicare Open EnrollmentSwitch Part D or Medicare Advantage plans for 2027. Changes take effect January 1.
  2. Mid-November 2026CMS publishes 2027 Part B premium & IRMAA bracketsTrustees project $209.50/month. We update every number here the day CMS publishes.
  3. Early December 2026Your 2027 benefit letter arrivesSSA posts COLA notices in my Social Security showing your new benefit after Medicare premiums.
  4. Dec 31, 2026Deadline: 2026 RMDs and QCDsEveryone past their first RMD year must withdraw by year-end; QCDs must leave the IRA by Dec 31 to count for 2026.
  5. January 2027First checks with the 3.6% raiseSocial Security payments rise in January; SSI rises with the December 31, 2026 payment.

All calculators

When to Claim Social SecuritySocial SecuritySocial Security Earnings TestSocial SecurityIs My Social Security Taxable?TaxesIRMAA CalculatorMedicareMedicare Premium CalculatorMedicareRMD CalculatorRMDs & IRAsInherited IRA RMD CalculatorRMDs & IRAs

Why trust these numbers

We show our work.

  • Primary sources onlySSA, CMS, IRS, the Federal Register and state revenue departments — linked on every page.
  • Official vs. projected, labeledWhen an agency hasn’t published a figure yet, we say so and show where the estimate comes from.
  • Updated the day rules changeWe watch the agency pages that publish new numbers and re-verify everything when they move.
  • The math, not a black boxEvery result has a “Show the math” panel with the exact table values and formulas used.

Frequently asked questions

Are these calculators really free?

Yes. There is no sign-up and nothing to buy. The site is supported by advertising. Your inputs stay in your browser — we don’t ask for your name, Social Security number or account numbers.

Where do your numbers come from?

Only from primary sources: the Social Security Administration, CMS and Medicare.gov, the IRS, the Federal Register and eCFR, and state revenue departments. Every page lists the exact documents it relies on, and each figure is marked Official or Projected.

Why do some 2027 numbers say “Projected”?

Some agencies publish next year’s figures later than others. SSA released the 2027 COLA on October 14, 2026, but CMS normally announces the 2027 Part B premium and IRMAA brackets in mid-November. Until then we show the Medicare Trustees’ projection, clearly labeled, and replace it the day CMS publishes.

Can I use this instead of a financial advisor?

These tools give you the official math and explain it, which is often enough to make a confident decision or to ask an advisor better questions. They are not personalized financial, tax or legal advice.