Retirement Benefit Calculator is an independent educational website. We build free, fast calculators and plain-language reference pages about US retirement benefits: Social Security retirement, spousal and survivor benefits and claiming age, 401(k), 403(b), TSP and IRA contribution limits and growth, Roth IRA income limits, required minimum distributions, Medicare Part B premiums and IRMAA, FERS pensions, annuities and pensions.
What we do
- Benefit calculators that follow the official formulas. Social Security estimates use the SSA's benefit formula (AIME, bend points, early-claiming reductions, delayed retirement credits, spousal and survivor rules); the engine is tested against the SSA's own worked benefit example.
- Retirement-account tools you can check by hand. 401(k), IRA, Roth IRA, TSP, SEP and solo 401(k) calculators apply the IRS limits for 2026 (and 2027 where published) and show their arithmetic.
- Reference tables with sources. Contribution limits, RMD life-expectancy tables, Medicare premiums and IRMAA brackets, FERS rules and payment schedules come from the SSA, IRS, CMS and OPM. Every page lists its sources and the date it was checked.
- No selling. We do not sell products, we do not link to sellers, and we do not accept payment for reviews or placements.
Who we are
Retirement Benefit Calculator is run by a small independent editorial team based in Türkiye. We are not affiliated with the Social Security Administration, the Internal Revenue Service, the Centers for Medicare & Medicaid Services, the Office of Personnel Management, the Federal Retirement Thrift Investment Board, any employer, plan provider, insurer or financial firm.
How the site is funded
The site shows advertising served by Google AdSense. Advertisers do not influence what we write, and ads are clearly separated from our content.
Read our editorial policy, our financial disclaimer and our privacy policy. To reach us, use the contact page.