Retirement Benefit Estimator

Free calculators for the decisions that come with retiring.

What it does

• Social Security — what you'd receive starting at every age from 62 to 70, and what each of those adds up to over a lifetime.
• Married couple — the spousal top-up you'd actually receive, and what a survivor would be left with.
• Required withdrawals — what you'll have to take out each year once you reach the age set by your birth year.
• Roth conversion — what converting costs this year, including the Medicare surcharge it triggers two years later, and how the totals compare over time.

The calculators are free and run on your phone. A paid feature called Explain answers questions about your own figures in plain English.

Questions the big calculators skip

• Born in 1959? Your RMD age is 73 or 75 — and Congress didn't settle which

Support

Questions, a figure that looks wrong, or anything else: apeman2002@gmail.com

If you think a number is wrong, please say which screen and what you entered. Every figure comes from published SSA and IRS rules, and if one is off we want to know.

Privacy

There is no account and no sign-in, and what you type into the calculators is not saved anywhere. Full privacy policy.

Estimates only — not tax, investment, or financial advice. Not affiliated with the Social Security Administration, the IRS, or any government agency. Check figures against current official materials or with your own tax professional before acting on them.