Terms of use

Updated November 2, 2026

Use this site for general education and personal planning estimates. Use information lawfully and verify facts relevant to your circumstances with the responsible authority.

Scope

The calculator applies documented assumptions and supported published tables. It does not prepare tax returns, recommend investments, select insurance, determine appeal eligibility or submit forms. No adviser-client, attorney-client or medical relationship is created. Read the disclaimer.

Your decisions

Keep accurate inputs and any reports you need. Estimates are not SSA notices or invoices. You remain responsible for coverage, filings, payments and deadlines. Do not send identifying or financial documents through this site.

Permitted use

You may read, link to and print pages for personal use. Do not impersonate a government service, interfere with access or generate artificial ad impressions or clicks. Respect applicable rights when reusing content and identify its source.

Availability and responsibility

We aim for accuracy but cannot promise uninterrupted service, fitness for a particular decision or financial results. Software, sources and policies can change. Nothing here excludes rights or liabilities that cannot lawfully be excluded.

Third parties and contact

Linked services operate under their own terms. The privacy policy describes local calculation, hosting and optional advertising. This website is operated by Moss Ladder. Owner information and contact addresses are published on the About and Contact pages. Prepare a question or correction.