Social Security estimates for individuals and households.
Estimate retirement benefits using earnings history, future-income assumptions, eligibility credits, and claiming ages. Explore individual, married-household, divorced-spouse, and survivor scenarios without entering a Social Security number or connecting an SSA.gov account.
Move beyond a standard individual estimate.
Use separate workspaces to model the people, relationships, future earnings, and claiming choices involved in a Social Security planning question.
How this estimator differs from SSA tools.
SSA.gov remains the official source for earnings records, eligibility, and benefit determinations. This independent estimator is designed for broader, locally controlled scenario comparison.
| Capability | My Retirement Model SS Estimator | SSA tools |
|---|---|---|
| Primary purpose | Compare planning scenarios using assumptions you choose. | Provide official information, earnings records, and personalized or standalone benefit estimates. |
| Future earnings | Save and compare up to five future-income scenarios, including continued work, reduced work, or stopping work. | A personal account estimate can adjust expected future income; standalone calculators use their own input models. |
| Married households | Combines two independent worker records and compares selected household claiming-age combinations. | Can estimate worker and spouse benefits, but does not provide the same combined household comparison matrix. |
| Divorce and survivor | Includes dedicated living-divorced and deceased-spouse or former-spouse scenario workflows. | Provides official rules, eligibility information, and benefit resources, but not the same integrated scenario workflow. |
| Account and data | No SSA login or Social Security number. Calculations and saved scenario files remain local. | Personalized estimates use a my Social Security account; standalone calculators are also available without an account. |
| Cost and authority | Free, independent planning estimate. | Free and authoritative for official records, rules, and determinations. |
What the estimator helps you test
- ✓Historical earnings entered manually or imported from a Social Security Statement.
- ✓Up to five future-income scenarios, including reduced work or stopping work.
- ✓Progress toward the 40 credits normally required for retirement benefit eligibility.
- ✓Retirement claiming ages from 62 through 70 where applicable.
- ✓Representative household, divorced-spouse, and survivor filing sequences.
Designed for scenario comparison
The estimator calculates the scenarios you select. It does not claim to identify a universally “best” filing strategy, and it does not replace an official Social Security determination.
You can save a scenario to a local JSON file, reload it later, and keep separate scenarios for different assumptions or family situations.
Your estimator inputs stay in your browser.
The estimator does not require an SSA.gov login or Social Security number. Calculations are designed to run locally, and scenario files remain under your control.