Calculators & Tools
Interactive tools that turn the rules we explain in our articles into numbers for your own situation. All free, no signup, and built on the official government formulas — each tool links the sources it uses.
Social Security Break-Even Calculator
Enter your birth year and full-retirement-age benefit to see your monthly check at every claiming age from 62 to 70 — and the exact age where waiting until 70 pays off.
RMD Calculator
Enter your IRA/401(k) balance and age to see your required minimum distribution, the IRS Uniform Lifetime factor behind it, and the SECURE 2.0 start age for your birth year.
IRMAA Surcharge Calculator
Enter your MAGI and filing status to see your 2026 Medicare Part B and Part D surcharge tier, total monthly premium, yearly cost, and how far you are from the next income cliff.
Part D Late Enrollment Penalty Calculator
Enter how many months you went without creditable drug coverage to see the permanent Part D late-enrollment penalty added to your monthly premium — and what it costs per year.