All 84 Free Calculators

Social Security

These tools cover the decisions around claiming: when you reach full retirement age, what your check would be at different ages, and what a spouse, survivor or divorced spouse can receive. Others deal with working while you collect, taxes on benefits, and the disability programs, SSDI and SSI. If you are not sure where to begin, start with the Full Retirement Age Calculator.

• Full Retirement Age CalculatorFind your exact Social Security full retirement age by birth date.
• Benefit EstimatorEstimate your Social Security monthly benefit at 62, full retirement age, and 70.
• Spousal Benefit CalculatorEstimate how much spousal Social Security benefit you can get, based on your spouse's benefit and your claiming age.
• Survivor Benefit CalculatorEstimate your Social Security survivor (widow or widower) benefit based on your deceased spouse's benefit and your claiming age.
• Divorced Spouse Eligibility CheckerCheck if you're eligible for Social Security benefits on your ex-spouse's record, and estimate how much you could receive.
• SSDI Eligibility CheckerCheck if you meet the SSDI work credit and earnings requirements for Social Security Disability Insurance in 2026.
• SSI Eligibility & Payment EstimatorCheck your SSI eligibility and estimate your monthly Supplemental Security Income payment using the 2026 federal benefit rate and income rules.
• Retirement Income Gap CalculatorCompare your expected retirement income with your expenses and with national spending data for households 65 and older.
• Ticket to Work / Trial Work Period CalculatorSee if your monthly earnings count as a Trial Work Period month, and whether they exceed the SGA limit that applies after your Trial Work Period ends.
• Railroad Retirement vs. Social Security CalculatorEstimate your Railroad Retirement Tier I and Tier II annuity, and see how it compares to an equivalent Social Security-only benefit.
• SS Taxation CalculatorFind out how much of your Social Security benefits are taxable federally, and whether your state taxes them too.
• COLA Impact CalculatorSee how much your Social Security or SSI check will increase with the official 3.6% COLA for 2027.
• Break-Even CalculatorFind the age at which claiming Social Security later catches up with claiming earlier.
• Earnings Test CalculatorCalculate how much of your Social Security benefit is withheld if you work before full retirement age, using the official 2026 SSA earnings test limits.

Medicare

Use these to check when you can enroll, what Medicare will cost you, and whether your income adds a surcharge. They also compare Original Medicare with Medicare Advantage, Medigap plans and Part D drug plans, and check whether you qualify for help with premiums and drug costs. If you are new to Medicare, start with the Eligibility Checker.

• Eligibility CheckerCheck if you're eligible for Medicare by age, disability, ALS, or ESRD, and find out exactly when your coverage can start.
• ACA Subsidy Calculator (Ages 62-64)Estimate your 2026 ACA premium tax credit for the years before Medicare, built on the IRS applicable percentage table and HHS poverty guidelines.
• Skilled Nursing Facility (SNF) Coverage CalculatorSee how many days Medicare Part A covers in a skilled nursing facility and what you owe for days 21 to 100, based on your hospital stay.
• IRMAA CalculatorCalculate your 2026 Medicare IRMAA surcharge for Part B and Part D based on your 2024 income and filing status.
• Roth Conversion IRMAA PlannerSee whether a Roth conversion would push your Medicare premiums into a higher 2026 IRMAA bracket, and how much headroom you have before it does.
• AEP CountdownSee how many days are left until Medicare's Annual Enrollment Period (October 15 to December 7) opens or closes, calculated from today's date.
• Advantage vs Original ComparisonCompare Medicare Advantage and Original Medicare side by side, and answer a few questions to see which fits your priorities.
• Medigap Plan Comparison ToolCompare all 10 standardized Medigap plans and find which plan letter fits your priorities for cost and coverage.
• Part D Coverage Gap CalculatorEstimate your Medicare Part D out-of-pocket drug costs for 2026.
• Part D Plan Comparison GuideCompare Medicare Part D drug plans on what changes your cost: deductible, formulary tier and pharmacy network.
• Enrollment Period FinderFind out which Medicare enrollment window applies to you right now: Initial, General, Special, or Annual Enrollment.
• Late Enrollment Penalty CalculatorCalculate your Medicare Part B and Part D late enrollment penalties for 2026 based on how many months you went without coverage.
• Savings Program (QMB/SLMB/QI) CheckerCheck whether you qualify for QMB, SLMB or QI in 2026 and see how much a Medicare Savings Program could save you on Medicare costs.
• Extra Help (LIS) EstimatorCheck if you qualify for Extra Help (LIS) in 2026 and see how much it could save on your Medicare Part D drug costs.
• Medicare Cost EstimatorEstimate your total monthly Medicare costs for 2026, combining Part A, Part B (with IRMAA), Part D, and supplemental coverage.
• PACE Program Eligibility CheckerCheck if you meet the four PACE (Program of All-Inclusive Care for the Elderly) eligibility requirements for 2026.
• Prescription Savings FinderPrescription savings that work with Medicare: manufacturer copay cards are not allowed, but Patient Assistance Programs, Extra Help and the Part D cap are.

Medicaid

For older adults, Medicaid questions are mostly about long-term care. These tools check income and asset limits, the look-back period for gifts, what a spouse at home can keep, and what care costs in your state. The rules differ by state, so treat each result as an estimate and confirm it with your state Medicaid office.

• Eligibility CheckerCheck if you likely qualify for Medicaid as a senior in 2026 based on common income and asset limits: actual limits vary by state.
• Long-Term Care Eligibility EstimatorCheck 2026 Medicaid nursing home eligibility, income limits, and spousal asset protections for long-term care.
• Spend-Down CalculatorEstimate your Medicaid spend-down amount for 2026 from your income, your medical expenses and your state's income limit.
• Dual-Eligible (Medicare + Medicaid) CheckerFind out whether you are a full or partial dual-eligible beneficiary and what that means for your Medicare and Medicaid coverage.
• Look-Back Period EstimatorCalculate your Medicaid 5-year look-back window for 2026 and see how the penalty period for asset transfers is worked out.
• Nursing Home Cost Calculator by StateSee average nursing home costs by state for 2026, based on the latest Cost of Care Survey data.
• Senior Care Cost CalculatorCompare 2026 costs for in-home care, assisted living, and adult day care by state, based on the latest industry survey.
• Denture & Dental Grant FinderFind denture and dental assistance programs by state, plus national resources for low-cost dental care.
• Community Spouse Allowance CalculatorCalculate the Community Spouse Resource Allowance (CSRA) and monthly income allowance (MMMNA) for a spouse at home when the other needs nursing home Medicaid.
• Estate Recovery Risk CheckerSee which federal protections against Medicaid estate recovery apply: a surviving spouse, a minor or disabled child, a sibling or a caregiver child.

Income & Food Assistance

These check whether your household qualifies for SNAP and other programs based on income, and help you find meal programs near you. The FPL Benefits Screener compares your income with the limits for several programs at once.

• SNAP Eligibility & Benefit EstimatorEstimate your SNAP (food stamps) eligibility and monthly benefit for fiscal year 2027 using the special income rules for seniors 60+.
• Meals on Wheels / Senior Nutrition LocatorCheck your eligibility for Meals on Wheels and congregate meal programs, then find providers near you.
• FPL Benefits ScreenerEnter your household size and income to see which of this site's SNAP, Medicaid, Extra Help, and other calculators you likely qualify for.
• Congregate Meal Site LocatorFind free community meal sites for seniors near you: senior centers, churches, and community dining programs funded by the Older Americans Act.

Housing

Tools for lowering what it costs to stay housed: rental assistance, subsidized senior housing, property tax relief and home repair grants, plus an estimate of what a reverse mortgage could pay.

• Section 8 / Housing Voucher CheckerCheck your estimated Section 8 Housing Choice Voucher income tier for 2026 from your household size and income, and learn how to find your county's limit.
• Property Tax Exemption FinderFind your state's senior property tax exemption, freeze, or deferral program and how to qualify.
• Homestead Exemption CheckerCheck your state's homestead exemption rules and any additional exemption for older homeowners that you may qualify for.
• Reverse Mortgage (HECM) EstimatorEstimate your 2026 HECM reverse mortgage amount from your age and home value.
• USDA Section 504 Home Repair Grant CheckerCheck your eligibility for USDA Section 504 home repair help: grants up to $10,000 for rural homeowners 62 and older, and 1% repair loans up to $40,000.
• HUD Section 202 Senior Housing LocatorFind HUD Section 202 supportive housing for people 62 and older.

Utility & Energy

Help with energy, phone and internet bills. These check eligibility for LIHEAP, weatherization and Lifeline, and explain the protections against having your utilities shut off.

• LIHEAP Eligibility & Benefit EstimatorCheck your LIHEAP eligibility for 2026 based on income and household size, and see typical benefit amounts.
• Weatherization Assistance CheckerCheck your 2026 eligibility for free home weatherization through the federal Weatherization Assistance Program: insulation, air sealing and heating repairs.
• Lifeline Phone/Internet Discount CheckerCheck your eligibility for the 2026 Lifeline program and see your monthly phone or internet discount amount.
• Utility Shutoff Protection GuideThe protections most states offer against a utility shutoff, including winter rules, medical certificates and required notice.

Veterans Benefits

For older veterans and their surviving spouses. These estimate VA Pension, Aid and Attendance, disability compensation and survivor benefits, and show which burial benefits apply.

• VA Pension Eligibility CalculatorCheck your VA Pension eligibility and estimate your monthly benefit from your income, net worth and dependents, using current VA rates.
• Aid & Attendance Benefit EstimatorEstimate your VA Aid and Attendance benefit, for wartime veterans and surviving spouses who need help with daily activities.
• VA Disability Compensation EstimatorCalculate your combined VA disability rating using the VA's combined ratings method and see the current monthly compensation rate.
• Survivors Pension Eligibility CheckerCheck whether you qualify for VA Dependency and Indemnity Compensation (DIC) or Survivors Pension and estimate your monthly benefit, using current VA rates.
• VA Burial Benefits CheckerCheck which VA burial allowance, plot allowance, and headstone benefit apply based on cause of death and burial location, with current 2026 dollar amounts.

Tax Benefits

Tax breaks that start or grow at 65, such as the extra standard deduction and the Credit for the Elderly or Disabled. Other tools cover state taxes on retirement income, required minimum distributions and early withdrawal penalties.

• Additional Standard Deduction Calculator (65+)Calculate your 2026 standard deduction with the additional amount for being 65 or older or blind.
• Credit for the Elderly or Disabled EstimatorCalculate the Credit for the Elderly or Disabled (Schedule R) from your income and filing status.
• State Retirement Income Tax Exemption FinderFind out how your state taxes Social Security, pensions and retirement account withdrawals in 2026.
• Property Tax Deferral/Freeze Eligibility CheckerFind your state's senior property tax freeze or deferral program, including how to postpone your property taxes until you sell your house.
• EITC EstimatorEstimate your 2026 Earned Income Tax Credit and check the age rule: with no qualifying child you must be under 65, but grandparents raising a child can claim.
• $6,000 Senior Tax Deduction CalculatorCalculate your new $6,000 (or $12,000) senior tax deduction for 2026, including the income phase-out.
• Retirement Early Withdrawal Penalty CalculatorCalculate your 401(k) or IRA early withdrawal penalty for 2026 and check which exceptions might apply to you.
• RMD CalculatorCalculate your 2026 Required Minimum Distribution (RMD) from a Traditional IRA or 401(k) using the IRS Uniform Lifetime Table and current SECURE 2.0 age rules.
• Long-Term Care Insurance Tax Deduction CalculatorFind your age-based IRS deduction limit for long-term care insurance premiums and how much counts as a deductible medical expense.

Resources & Locators

Locators and checkers for help that is run locally: Medicare counseling, legal aid, caregiver support, transportation, and programs for relatives raising children.

• Area Agency on Aging (AAA) LocatorFind your local Area Agency on Aging for senior services, caregiver support, and more using the official Eldercare Locator.
• SHIP Counselor LocatorFind free Medicare counseling through your state's SHIP program.
• State Pharmaceutical Assistance (SPAP) FinderCheck if your state offers a Pharmaceutical Assistance Program and find alternatives if it doesn't.
• Family Caregiver Support Eligibility CheckerCheck your eligibility for the National Family Caregiver Support Program, which offers free respite care, counseling and training.
• Paid Family Caregiver Eligibility CheckerCheck whether you can be paid by Medicaid to care for a family member.
• Hearing Aid & Eyeglass Assistance FinderCheck your income against the limit used by national hearing aid and eyeglass assistance programs, with links to Miracle-Ear Foundation and EyeCare America.
• Senior Legal Aid LocatorFind free or low-cost legal help for seniors with wills, guardianship, powers of attorney, benefit appeals and scam recovery, through official locators.
• Elder Abuse Resource LocatorFind elder abuse reporting resources, Adult Protective Services contacts, and elder law help near you.
• Funeral & Burial Assistance FinderHelp with funeral costs for non-veteran families: the $255 Social Security death payment, FEMA funeral assistance, county burial programs and ways to save.
• Lost Pension & Unclaimed Benefits FinderSearch three official, free databases for a pension or retirement account left at an old job, and for unclaimed property in every state you have lived in.
• SCSEP Senior Employment Program LocatorFind the federal Senior Community Service Employment Program (SCSEP) near you: paid, part-time community service training for low-income workers 55 and older.
• NEMT & Senior Transportation GuideHow to get free or low-cost rides to medical appointments: Medicaid's required NEMT benefit, ADA paratransit, and local senior transportation programs.
• Kinship Care Benefits Eligibility CheckerCheck which kinship care benefits apply to you: free Kinship Navigator help, TANF child-only cash grants, or Kinship Guardianship Assistance.
• Grandparents Raising Grandchildren Financial Assistance CalculatorSee your Child Tax Credit amount, Head of Household eligibility, and whether your grandchild qualifies for a Social Security dependent benefit.
• Advance Directive Readiness ChecklistAnswer a few questions to see which advance directive and power of attorney documents you still need, and where to get your state's free forms.