Retirement calculators built for real seniors
Medicare, Social Security, and retirement income tools — designed so that anyone can use them. Plain English. Printable results. No hidden fees. No financial advisor trying to sell you something.
Our free tools
Each tool covers one retirement decision clearly. No upsells. No distractions.
Medicare IRMAA
Find out if you owe an IRMAA surcharge on your Medicare Part B and Part D premiums — and exactly how much. See how close you are to the next bracket.
Open calculator →Social Security Timing
Should you claim at 62, 67, or 70? See your break-even point and estimated lifetime total at each claiming age.
Open calculator →Retirement Income Tax
After Social Security, pensions, IRAs, and state taxes — what will you actually keep each month?
Open estimator →RMD Calculator
Calculate your Required Minimum Distributions across multiple accounts, with IRMAA impact and penalty callout included.
Open calculator →Why SeniorCalc is different
Most retirement calculators are built by financial advisors trying to schedule a meeting, or by calculator farms that haven't been updated in years. SeniorCalc is built for the person sitting across the kitchen table from their adult child, trying to figure out Medicare before the enrollment deadline.
Every tool here is designed around three questions that seniors actually ask: "What does this cost me?" "Is this normal?" and "What do I do about it?"
Results are printable because seniors print things — and because a clean printout on a CPA's desk is worth ten websites.
Built for seniors, by design
- Large text with a one-click size increase
- One question at a time — no overwhelming forms
- Every term explained the first time it appears
- High contrast, dark mode, keyboard accessible
- Printable results with an advisor-friendly summary
- Your data never leaves your browser
Common questions about Medicare and retirement
- IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to Medicare Part B and Part D premiums for people with higher incomes. You pay it only if your Modified Adjusted Gross Income (MAGI) from two years ago exceeds the threshold for your filing status. For 2026, single filers with income above $109,000 will pay IRMAA surcharges.
- The right answer depends on your health, other income, and whether you are married. Claiming at 62 gives you more years of payments but at a reduced rate (up to 30% less). Waiting until 70 gives you 24–32% more per month than your full retirement age benefit. Use our Social Security Break-Even Calculator to find the exact age where waiting pays off for your numbers.
- Required Minimum Distributions (RMDs) are the IRS-mandated minimum withdrawals from traditional IRAs, 401(k)s, and other tax-deferred accounts. Under the SECURE 2.0 Act, RMDs now begin at age 73 (and will move to 75 for people born in 1960 or later). Failing to take your RMD results in a 25% penalty on the amount you should have withdrawn.
- It depends on your total income. If your "combined income" (adjusted gross income + nontaxable interest + half of Social Security) exceeds $25,000 for single filers or $32,000 for joint filers, up to 50% of your Social Security benefit may be taxable. Above $34,000 single / $44,000 joint, up to 85% can be taxable.
- No. All calculations happen entirely in your browser. No income figures, personal details, or results are ever sent to our servers or stored anywhere outside your own device. We never ask for your email, name, or any personal information.