Claim Check
Social Security at 62, 67 or 70. Type in three numbers from your statement and see each check, the break-even age, the running totals at 80, 85 and 90, and what a surviving spouse would live on.
Free · No sign-up
Every Case File comes with a tool.
Type in your own situation and see the same checks the case ran. Everything is worked out on this page, on your device. Nothing you type is sent anywhere, and there is no account to make.
Payoff or Keep It
Should you pay off the mortgage? Compare the lump sum, the paycheck plan and keeping the loan, with tax, interest saved, Medicare surcharge and your cash cushion.
Roth Check
Before you convert to a Roth. See the tax, the bracket, the Medicare line, whether your cash can pay it, and what a small, a middle and a full conversion each cost.
More tools on the way
Each new Case File adds a tool here. If a paid toolkit ever appears, it will sit in this same list and be clearly marked, so you always know what is free.
Private by design
The calculators run inside your browser. We do not receive, store or see your numbers, because there is nowhere for them to go.
Checked against official sources
2026 federal tax rules, Social Security and Medicare figures, each linked on our sources page.
Honest about limits
Each tool lists what it leaves out, such as state tax and inflation. A tool shows what the numbers say. It does not know your whole life.
Not sure where to start?
Pick the tool that matches the decision on your table. If you are unsure, begin with Claim Check. It needs only three numbers from your free Social Security statement.
Printable
See the checklistsPrefer paper?
One-page checklists for each decision, to fill in by hand or bring to an appointment.