Money & retirement calculators
Insights
These quick calculators answer one question each. For the whole picture — how the care years, taxes, Social Security timing, and your savings interact over a lifetime — use the free My Plan workspace, which ties them all together.
Free, private tools for planning senior care and retirement — nothing saved, nothing sold.
Every calculator
Social Security claiming-age calculator
See your monthly benefit at every claiming age from 62 to 70 — and the break-even age.
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Cost-of-care planner
Project the monthly and lifetime cost of assisted living, memory care, or a nursing home.
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Will my money last?
Test how long retirement savings last at a given withdrawal rate.
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Social Security COLA history
How cost-of-living adjustments have grown benefits over the years.
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Medicaid spend-down estimator
Roughly how long private funds last before Medicaid eligibility.
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VA Aid & Attendance calculator
Estimate the monthly VA pension a veteran or surviving spouse could receive toward care.
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Care-needs quiz
Answer six questions to find the right level of care.
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Benefits eligibility screener
See which programs could help pay for care.
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RMD calculator
Your required minimum distribution from an IRA or 401(k) at 73+.
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Home care vs. assisted living
Find the break-even between paying by the hour and a community.
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Long-term care insurance: worth it?
Weigh premiums against the pool of care benefits a policy could pay.
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Annuity income estimator
How much guaranteed lifetime income a lump sum could buy.
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Medicare enrollment-timing checker
Your Medicare sign-up window — and how to avoid the lifelong late penalties.
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Medicare Advantage vs. Medigap
An honest, no-commission lean between Advantage and Original Medicare + Medigap.
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Roth conversion analyzer
Weigh the tax cost of converting a traditional IRA to a Roth against tax-free growth and no future RMDs.
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Medicare IRMAA surcharge checker
See which 2026 IRMAA tier your income triggers and the extra Part B and Part D you'd pay.
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Reverse mortgage / home-equity estimator
Estimate the cash a HECM reverse mortgage could free up, after payoff and fees.
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Social Security survivor benefit estimator
Estimate a survivor's Social Security benefit and the household drop from two checks to one.
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Pension survivor election & PBGC guarantee
The one pension choice you can't undo: a bigger check that dies with you, or a smaller one that keeps paying your spouse. Plus what PBGC guarantees if the plan fails.
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