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Social Security & Medicare Tools

Interactive calculators and resources to help you make confident retirement decisions. No login required.

All tools use 2026 official data from SSA and CMS

Interactive Calculators & Resources

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Each tool is built with the latest 2026 figures and designed to give you clear, actionable answers.

Break-Even Calculator

Find the age when delaying Social Security actually pays off compared to claiming early.

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IRMAA Surcharge Calculator

Check if your income triggers Medicare premium surcharges using 2026 IRMAA brackets.

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Benefit-by-Age Estimator

See exactly how much your monthly benefit changes for every claiming age from 62 to 70.

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CalPERS WEP Impact Estimator

Understand how the Windfall Elimination Provision affects your Social Security with a CalPERS pension.

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Medicare Enrollment Timeline

See every critical enrollment window and deadline based on your 65th birthday.

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Medicare & SS Glossary

Plain-English definitions for 30+ Medicare and Social Security terms. Searchable and always handy.

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Tool 1

Social Security Break-Even Calculator

Compare cumulative benefits at different claiming ages to find when delaying pays off.

Age Cumulative if Claim at 62 Cumulative if Claim at 67 Cumulative if Claim at 70 Best Strategy
How the break-even is calculated:
For two claiming ages A (earlier) and B (later) with monthly benefits bA and bB:
Break-even age = B + (bA × (B − A) × 12) / ((bB − bA) × 12)
This is the age at which the higher monthly payment from waiting makes up for the years of forfeited checks.
Tool 2

IRMAA Surcharge Calculator (2026)

Find out if your income triggers Medicare premium surcharges. IRMAA is based on your tax return from 2 years ago — your 2024 MAGI determines your 2026 premiums.

Important: IRMAA is based on your tax return from 2 years ago. Your 2024 MAGI determines your 2026 premiums. If you've experienced a life-changing event (retirement, divorce, death of spouse), you can file form SSA-44 to request a reduction.

2026 IRMAA Bracket Reference

Tool 3

Benefit-by-Age Estimator

See how your monthly benefit changes for every possible claiming age from 62 to 70.

Claiming Age Adjustment Monthly Benefit Annual Benefit
Tool 4

CalPERS WEP Impact Estimator

Estimate how the Windfall Elimination Provision would have affected your Social Security benefit with a CalPERS pension.

Social Security Fairness Act — WEP Eliminated

The Social Security Fairness Act, signed into law January 5, 2025, eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). If you have a CalPERS or CalSTRS pension, you may now be eligible for your full Social Security benefit. Contact us for a personalized analysis.

Note: This tool shows what the WEP reduction would have been prior to the Social Security Fairness Act. The 2026 maximum WEP reduction was $587/month. With 30+ years of substantial earnings, WEP did not apply. For 21–29 years, the reduction was proportionally decreased. Because WEP has been eliminated, your actual benefit should be the full amount shown on your SSA statement.
Tool 5

Medicare Enrollment Timeline

Enter your birth month and year to see every critical enrollment window and deadline on a visual timeline.

Tool 6

Medicare & Social Security Glossary

Plain-English definitions for the terms you'll encounter during enrollment. Search or browse below.

No matching terms found. Try a different search.
Next Steps

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