Free calculators / For people 50 and older
Honest Cents was created to help people 50 and over understand the numbers behind big retirement money decisions. Each calculator shows what the figures look like for your own situation. They do not tell you what to do, and nothing you type is saved or sent anywhere.
Free calculators Free educational tools · Not financial advice
Compares what Social Security pays if benefits start at 62, 67 or 70, using your own figures.
Your results will appear here after you press Calculate.
Compares three ways of handling a mortgage: keep paying as scheduled, pay it off in one lump sum from a retirement account, or add extra from your paycheck each month.
Your results will appear here after you press Calculate.
Estimates the federal tax on a Roth conversion this year, whether it crosses a Medicare surcharge line, and a rough picture of tax in later years.
Your results will appear here after you press Calculate.
Educational use only. These calculators are provided for general information and education. They are not financial, tax, legal or investment advice, and they do not create an advisor–client relationship. They do not recommend any course of action.
Estimates, not guarantees. Results are estimates based only on the figures you enter, simplified assumptions, and 2026 U.S. federal tax and Medicare figures. Rules and thresholds change, and your actual results will differ. Check your own situation with a qualified professional, such as a tax preparer or fee-only financial planner, before acting.
Examples are fictional. The example figures are for illustration only. Honest Cents is independent and is not affiliated with the Social Security Administration, the IRS or Medicare. Nothing you type is stored or sent anywhere.