Build a retirement scenario
One-person model · your retirement inputs
Step 1 of 6
Build the timeline first
Dates, not just years. Months change what a benefit is worth, so this is where the report earns the right to compare claiming ages.
The household timeline
These two years establish the starting point of the model.
A date, not a year. Social Security is worked out to the month, so a January and a December birthday in the same year are different amounts.
Retirement spending begins from here. If you have already stopped, use the month you did.
Your headline result is a snapshot of one date. Most people pick the day they retire; some pick a birthday a few years out.
Choose whether to include a spouse's timing and benefits.
Used for state tax on the projected income, and to place you in the right health-coverage context before Medicare. It does not model local taxes or any state-specific benefit rules.
Used only when Other / custom rate is selected.
Calculator inputs are processed locally in your browser.