Directory
Retirement calculators
60 free tools that answer one retirement question each, with the official SSA, CMS and IRS figures for the year and the math shown. Pick the question you have today.
Verified October 23, 2026
Social Security
When to claim, what a spouse, ex-spouse or widow gets, and how the formula, credits and trust fund affect your check.
When to Claim Social SecurityCompare claiming at 62, full retirement age or 70 — your monthly check, lifetime total, and the age you break even.Social Security Earnings TestStill working before full retirement age? See exactly how much SSA withholds, which months, and how you get it back.Full Retirement Age ChartYour Social Security full retirement age by birth year, and how much claiming early or late changes your check.Social Security by Birth YearEvery Social Security, Medicare and RMD milestone for your birth year on one page.Social Security Payment Schedule 2027Every 2027 Social Security and SSI payment date by birthday — and which payments arrive early because of holidays.Spousal Benefits CalculatorYour spousal Social Security check: up to half your partner's full benefit, cut if you claim early.Survivor Benefits CalculatorWhat a widow or widower gets at 60 through full retirement age, and which benefit to take first.Divorced Spouse BenefitsDo you qualify on an ex-spouse's record? The 10-year rule, the 2-year wait and your estimated check.How Social Security Is CalculatedRun the real formula: 35 indexed years, AIME, the 2027 bend points and your monthly benefit.Social Security at 62Your check at 62 after the early-claiming cut, and the monthly and lifetime gap versus 67.Maximum Social Security BenefitThe 2027 maximum at 62, 67 and 70, and how far your own record is from it.Work Credits CalculatorCount your Social Security credits and see when you'll reach 40 — and what that means for Medicare.When to Apply for Social SecurityThe earliest day to apply, the month your first check comes and its exact payment date.WEP Repeal CalculatorHow much your Social Security rose when the Windfall Elimination Provision was repealed.GPO Repeal CalculatorSpouse and widow benefits restored after the Government Pension Offset repeal — your new amount.Trust Fund Depletion CalculatorWhat your check becomes if the retirement trust fund runs dry in late 2032, per the 2026 Trustees Report.SSI and Social SecurityHow much SSI you keep when you also get Social Security, with the $20 rule and payment dates.
Medicare
Sign-up windows, late penalties, premiums, IRMAA and the programs that pay Medicare costs for people with lower incomes.
IRMAA CalculatorWill your income trigger Medicare's IRMAA surcharge? See your tier, the yearly cost, and how far you are from the next cliff.Medicare Premium CalculatorYour Part B and Part D costs for 2026 and 2027 — including IRMAA and late-enrollment penalties — for one or two people.IRMAA Brackets 20272027 IRMAA income brackets (based on your 2025 tax return) and what each tier adds to Part B and Part D.IRMAA Brackets 2026The official 2026 IRMAA brackets (based on 2024 income) with the Part B and Part D amounts for every tier.Medicare Sign-Up WindowYour 7-month Initial Enrollment Period and the coverage start date for every month you could sign up.Medigap Open EnrollmentYour one-time 6-month Medigap window with guaranteed issue — exact start and end dates.Part B Late Penalty CalculatorThe lifetime Part B late penalty: 10% per full year late, priced for 2026 and 2027.Part D Late Penalty CalculatorYour Part D late enrollment penalty with the 2027 base premium, and its lifetime cost.Part A Premium CalculatorFree, $311 or $565 a month: your Part A premium by work quarters, including a spouse's record.Prescription Payment Plan CalculatorWhat the Medicare Prescription Payment Plan bills you each month under the 2026 and 2027 caps.Extra Help Eligibility CheckCheck Extra Help (Part D Low-Income Subsidy) eligibility with the 2026 income and resource limits.Medicare Savings Program CheckCheck QMB, SLMB and QI eligibility with the 2026 limits and see what each program pays.IRMAA Brackets 2028Projected 2028 IRMAA brackets based on 2026 income, and the tier your income would land in.SSA-44 IRMAA Appeal CheckCheck whether a life-changing event lets you cut IRMAA with Form SSA-44, and what you'd save.HSA and Medicare Stop DateWhen to stop HSA contributions before Medicare, and your prorated limit for the year.
RMDs & IRAs
Required minimum distributions, penalties, QCDs, QLACs and what withdrawals cost in tax.
RMD CalculatorYour required minimum distribution for 2026 or 2027, the exact deadline, and the IRS table math behind it.Inherited IRA RMD CalculatorInherited an IRA? See whether the 10-year rule applies, what you must take each year, and the final deadline.RMD Table (Uniform Lifetime Table)The IRS Uniform Lifetime Table with the percentage of your balance you must withdraw at every age from 72 to 120.RMD Age CalculatorYour RMD age, first RMD year and the April 1 deadline from your birth date.Missed RMD Penalty CalculatorThe 25% excise tax, the 10% correction rate and the waiver path for a missed RMD.QCD CalculatorWhat a qualified charitable distribution saves versus giving cash, up to the 2026 limit.RMD Tax CalculatorThe federal tax on your RMD, your bracket, the extra Social Security taxed and the IRMAA check.401(k) Withdrawal Tax CalculatorWhat you keep from a 401(k) or IRA withdrawal after federal tax, withholding and any penalty.Early Withdrawal Penalty CalculatorThe 10% early withdrawal penalty plus tax before 59½, after checking the exceptions.Rule of 55 CalculatorCheck whether the Rule of 55 lets you take 401(k) money penalty-free, and the penalty you avoid.QLAC CalculatorHow a QLAC up to $210,000 lowers your RMDs and taxes, and the income it buys from 85.
Taxes
Federal tax on retirement income: Social Security, Roth conversions, capital gains, the senior deduction and withholding.
Is My Social Security Taxable?How much of your Social Security is taxable using the IRS worksheet — and what the new $6,000 senior deduction changes.State Taxes on Retirement IncomeWhich states tax Social Security, pensions and IRA withdrawals — all 50 states and DC, with the 2026 rules.Roth Conversion CalculatorThe tax on a Roth conversion, the room left in your bracket and the IRMAA line two years out.Senior Deduction CalculatorYour $6,000 senior deduction after the income phase-out, and the tax it saves.Social Security Withholding CalculatorWhich W-4V rate (7, 10, 12 or 22%) covers your tax on Social Security, and how to file it.Qualifying Surviving Spouse CalculatorWhich years you can file as a qualifying surviving spouse and what filing single would cost.Do Seniors Have to File Taxes?Check the 2026 filing threshold for people 65 and older, including Social Security-only income.Capital Gains Tax Over 65How much of your capital gain is taxed at 0% in 2026, at 15%, and how Social Security changes it.Retirement Tax CalculatorYour 2026 federal tax on Social Security, pensions, IRA withdrawals and investments.NIIT CalculatorWhether you owe the 3.8% net investment income tax and how much, at the unindexed thresholds.
Planning
How long savings last, safe withdrawal rates, life expectancy, pensions and catch-up contributions.
Life Expectancy CalculatorYour life expectancy from the Social Security actuaries' tables, plus your odds of reaching 80, 90 and 100.Lump Sum vs Annuity CalculatorThe return a pension annuity pays you, your break-even age and the odds you outlive it.How Long Will My Money LastThe year your savings run out (or don't) with inflation-adjusted withdrawals and Social Security.4% Rule CalculatorYour safe first-year withdrawal under the 4% rule, next to Morningstar's 2026 3.9% figure.Catch-Up Contribution CalculatorYour 2026 401(k) and IRA limits by age, the 60–63 super catch-up and the Roth catch-up rule.
Key numbers
The official figures behind everything else, updated when the agencies publish them.