10 Social Security Calculators for Retirement Planning


Plan Ahead

Did you know that many retirement calculators DO NOT take into account your Social Security benefits? For many people their social security check is a substantial part of their retirement income. Here are ten calculators from the Social Security Administration that can help you plan for retirement.

Detailed and General Estimates

Use the Retirement Estimator if you have enough Social Security credits at this time to qualify for benefits and you are not:

  • Currently receiving benefits on your own Social Security record;
  • Waiting for a decision about your application for benefits or Medicare;
  • Age 62 or older and receiving benefits on another Social Security record; or
  • Eligible for a Pension Based on Work Not Covered By Social Security.

If you are currently receiving only Medicare benefits, you can still get an estimate and Retirement Information For Medicare Beneficiaries.

Social Security retirement benefits

Photo courtesy of 401kcalculator.org

Social Security Detailed Calculator Get the most precise estimate of your retirement, disability and survivors benefits with this calculator. It includes WEP (Windfall Elimination Provision) reduction. Must be downloaded and installed on your computer. Mac version also available. If you don't want to download the calculator you can use the Online Social Security Calculator but you will get a less detailed estimate.

Social Security Quick Calculator Estimates your social security benefits depending on your date of birth and on your earnings history. Enter your date of birth, earnings information, and, if you like, your estimated retirement date. You have the options of viewing your estimate in today's dollars or inflated (future) dollars.

Monthly Benefits

Retirement Estimator Get estimates of monthly benefits based on your actual Social Security earnings record.


Retirement Earnings

Retirement Earnings Test Calculator Use this calculator to see the effect of the Retirement Earnings Test on retirement benefits. This test uses the normal (full) retirement age applicable to retired workers.

Early or Late Retirement?

Early or Late Retirement Calculator Compute the effect on your benefit amount if you file for early or delayed retirement benefits.

Retirement Age Calculator Find your full retirement age and see how your monthly benefits may be reduced if you retire before your full retirement age.

Your Spouse

Benefits for Spouses Calculator Compute the effect on your wife’s or husband’s benefits if you file for early retirement.

Special Circumstances

WEP (Windfall Elimination Provision) Calculator Get estimates for yourself if you are eligible for a pension based on work that was not covered by Social Security. You need to enter all your past earnings taxed by Social Security and the monthly amount of your pension that was based on work not covered by Social Security.

GPO (Government Pension Offset) Calculator Get estimates of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes.

Information you need to enter:

  • The estimated "gross" monthly amount of your pension from your government job not covered by Social Security.
  • The estimated monthly amount of your Social Security benefit as a spouse, widow or widower before the effect of GPO.