Free tool · Claiming
Social Security Break-Even Calculator
Compare claiming at 62, 67, or 70 and see your break-even age — the moment waiting starts to pay off — based on your own estimated benefit.
Free tools · No signup required
Run your own retirement numbers — free.
Three calculators for the decisions that quietly make — or cost — you the most. Built by a CPA, updated with the 2026 figures, and free to use right in your browser. Nothing to install, nothing to buy.
2026 figures
Works in your browser
No login, no email wall
Education, not advice
✦ Built by a CPA, 25+ years
✦ Verified against SSA, CMS & Medicare.gov
✦ Your numbers never leave your browser
✦ Free yearly updates to the figures
The free calculators
Three tools. Every major decision.
Each calculator runs your own situation in plain English. Want the full strategy behind the numbers? Every tool is paired with a complete CPA-written guide.
Free tool · Medicare costs
Medicare & IRMAA Cost Calculator
Estimate your 2026 Medicare premiums and find out whether the IRMAA income surcharge will hit you — and by how much — before you enroll.
Free tool · Care costs
Long-Term Care Cost Calculator
Project what long-term care could really cost your family, what Medicare won't cover, and where you'd stand — so the number stops being a mystery.
Before you go — grab this free
The 2026 Retirement Deadlines & Numbers cheat-sheet
The calculators give you your number today. This printable front-and-back reference keeps you ahead all year: Social Security COLA and full-retirement ages, Medicare enrollment windows and the IRMAA brackets, and the long-term-care figures families miss. Free when you join the list — plus a heads-up each fall when the new-year figures drop.
Want all three, with the strategy too?
The Retirement Navigator Pass
The free calculators show you where you stand. The Navigator Pass gives you all three plain-English guides and full tools — every big retirement decision, handled as one connected picture — for $299 instead of $497.