Social Security & benefits

Your Social Security claiming strategy and survivor benefit election both affect your retirement income.

Your Full Retirement Age (FRA) is 67 based on your birth year.

Your estimated Social Security benefit

Find this on your Social Security statement at ssa.gov.

Estimated Monthly Benefit at Age 62*

Enter the amount shown on your SSA statement, in today's dollars. The calculator applies annual COLA adjustments automatically.

Get your estimate from SSA.gov

Estimated Monthly Benefit at Full Retirement Age (Optional)

When do you plan to claim Social Security?

Claiming earlier reduces your benefit; claiming later increases it.

We'll help you find the optimal claiming age based on your complete retirement picture.

Health insurance into retirement

To keep FEHB coverage as a retiree, you must retire on an immediate annuity and have been covered under FEHB for the 5 years right before retirement (or since your first chance to enroll).

Will you have been covered by FEHB (or as a family member under FEHB, or TRICARE while also enrolled in FEHB at retirement) for the 5 years before your retirement date?

Your eOPF (SF-2809 forms and enrollment records) shows your FEHB history. Coverage as a family member counts toward the 5 years, so check a spouse's enrollment too.

Estimate taxes and deductions

Optional

Turning this on adds an after-tax view you can switch to on your dashboard, Monte Carlo, and PDF report — each defaults to the gross view either way. Your readiness score and replacement rate always stay gross.