Loading your data…

Social Security & benefits

Your Social Security claiming age, your health and life insurance, and taxes all shape 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.

You can change the claiming age later. Your readiness report shows your income at the age you choose.

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 and Monte Carlo, plus an after-tax section in your PDF report. Both pages default to the gross view either way. Your readiness score and replacement rate always stay gross.