Free Senior Benefits Calculators & Tools 2026
76 free tools — pick a category from the left menu or start with the most popular tools below.
Most Used — Start Here
Full Retirement Age Calculator Find your exact FRA by birth year Medicare Premium Calculator Part A, B & IRMAA — your 2026 total IRMAA Surcharge Calculator See if your income triggers a surcharge RMD Calculator Required withdrawals from IRA / 401(k) Scam Message & Call Decoder Check a suspicious text or call now Universal Benefits Screener Find benefits you may be missing
Medicare Plan Comparison
Compare Original Medicare vs. Medicare Advantage, Medigap plans, drug coverage, and savings programs.
- Medicare Part B Coverage Checker Search any service to instantly see if Part B covers it and what your 2026 out-of-pocket cost will be.
- IRMAA Bracket Finder — 2026 Quick Lookup See the complete 2026 IRMAA bracket table instantly. Enter your income to highlight your exact tier and total premium.
- Medicare Advantage vs. Original Medicare Quiz 5-question decision helper to see which Medicare path fits your health profile.
- Original Medicare + Medigap Cost Estimator Calculate your annual cost range for Part B, Medigap Plan G/N, and Part D.
- Medicare Advantage Total-Cost Estimator See your typical-year copay range and worst-case in-network MOOP cap.
- Medigap Plan G vs Plan N Calculator Calculate your break-even visit point comparing copays vs. monthly premium savings.
- Medicare Worst-Case Exposure Comparison Side-by-side comparison of uncapped vs. capped medical liability during illness.
- Medigap Plan Comparison Tool Compare Medigap Plans G, N, A, and F — deductibles, excess charges, and estimates.
- Medicare Advantage Comparison Tool Side-by-side comparison of Medicare Advantage plan features.
- MA vs. Original Medicare Cost Checker Annual cost estimate based on your expected healthcare usage.
- Part D Prescription Cost Estimator Estimate drug spending tiers and see how the $2,100 catastrophic cap protects you.
- Medicare Donut Hole Calculator See how the IRA $2,100 out-of-pocket cap applies to your prescription drug costs.
- Medicare Savings Program Estimator Check if your income qualifies for federal assistance to pay Part B premiums.
- Extra Help (LIS) Eligibility Calculator Check 2026 income and asset limits for the low-income prescription drug subsidy.
Retirement Planning
Plan IRA/401(k) withdrawals, Roth conversions, portfolio drawdowns, and estimate your retirement tax bill.
- 401(k) Withdrawal Tax Calculator Estimate federal taxes, Rule of 55 / early penalties, 20% plan withholding, and take-home cash.
- RMD Tax & Withholding Calculator Calculate mandatory 2026 RMDs, federal income tax, voluntary withholding, and net cash.
- Social Security Tax Calculator Calculate how much of your Social Security is taxable and estimate your 2026 federal tax bill.
- Social Security Tax Withholding Calculator Estimate voluntary monthly and annual federal tax withholding from Social Security checks using Form W-4V.
- Retirement Tax Calculator by State Compare 2026 federal and state income tax on Social Security, pensions, and IRA/401(k) withdrawals.
- RMD Calculator Calculate your Required Minimum Distribution using official IRS Uniform Lifetime Tables.
- Roth Conversion Calculator Calculate upfront tax cost, break-even window, and 2026 IRMAA cliff risk.
- IRA Withdrawal Tax Calculator Calculate the incremental federal tax, under-59½ penalties, and net cash on IRA distributions.
- IRA / 401(k) Withdrawal Planner Plan annual drawdowns, check 4% sustainability, and calculate net monthly income.
- Retirement Tax Calculator Estimate total federal tax across Social Security, IRA withdrawals, pensions, and interest.
- Retirement Tax Withholding Calculator Estimate federal tax withholding on pension and annuity distributions using Form W-4P.
IRS Notice Decoders
Decode IRS notices, calculate response deadlines, explore payment options, and build dispute checklists.
- IRS CP14 Notice Decoder Decode your initial balance-due notice and explore payment plan options with deadline tracker.
- IRS CP504 Notice Decoder Understand Notice of Intent to Levy and learn how to stop state tax refund seizure.
- IRS LT11 / Letter 1058 Decoder Decode the Final Notice of Intent to Levy. Calculate your 30-day CDP appeal deadline.
- IRS CP90 Notice Decoder Final notice before Social Security levy. Calculate your 30-day CDP appeal window.
- CP2000 Response Letter Sample Tool Decode your underreporter notice, calculate 30-day response deadline, and generate dispute letter.
Medical Bills & Healthcare Costs
Audit hospital bills, dispute overcharges, compare drug costs, and evaluate Medicare Advantage.
- Hospital Bill Line-Item Checker Spot common billing errors, duplicate charges, and upcoding on hospital bills.
- How to Dispute a Medical Bill Wizard Step-by-step dispute wizard from itemized bill request to state DOI escalation.
- Prescription Price Comparison Guide Compare Part D copay tiers vs. cash discount prices vs. Extra Help costs.
Unclaimed Benefits & Assistance
Find benefits, SNAP eligibility, LIHEAP energy aid, property tax freezes, and verified senior discounts.
- Universal Senior Benefits Screener Screen 10+ federal and state benefit programs in under 3 minutes.
- SNAP Eligibility Calculator for Seniors Estimate monthly food assistance benefits under special senior income rules.
- LIHEAP Energy Assistance Checker Check eligibility for federal heating and cooling energy assistance.
- Property Tax Relief / Freeze Checker Find state-specific property tax exemptions and freeze programs for seniors.
- Senior Discount Finder Search 50+ verified senior discounts by age and category across the US.
Scam & Fraud Protection
Verify suspicious calls, texts, letters, and wire/gift card requests using FTC and FBI fraud patterns.
- Scam Message & Call Decoder Paste suspicious texts or describe a call to check against FTC fraud patterns.
- Is This Real? Agency Letter Checker Verify if a notice claiming to be from IRS, SSA, or Medicare is legitimate.
- Robocall & Caller-ID Guide Step-by-step instructions to block robocalls and file FCC complaints.
- Gift Card & Wire Scam Checklist Immediate emergency action checklist if asked to pay by gift card or wire transfer.
- Romance Scam Red-Flag Checklist Private, non-judgmental 8-question red flag test for online relationships.
- AI Voice Clone Scam Verification 3-step emergency verification protocol if a relative calls asking for money.
- Family Trusted Contact Setup Guide Step-by-step guide to setting up trusted contacts at banks and brokerages.
Caregiver & Family Support
Evaluate care options, calculate unpaid caregiving value, compare facility costs, and set up advance directives.
- Do I Need Care Options? Decision Wizard ADL/IADL assessment wizard with tailored care recommendations.
- Family Caregiver Cost Calculator Calculate the true annual value of your unpaid caregiving time and expenses.
- Care Facility Cost Comparison by State Compare median costs for in-home care, assisted living, and nursing homes by state.
- Advance Directive & Healthcare POA Guide State-by-state statutory forms for living wills and healthcare proxies.
Staying Independent
Find local rides, master video calls, set up telehealth visits, and complete a home fall-risk safety audit.
- Local Senior Transportation Finder Find free or low-cost rides via ADA paratransit, NEMT, and volunteer networks.
- Plain-English Video Call Setup Guide Step-by-step FaceTime, Zoom, and WhatsApp setup instructions in plain English.
- Telehealth: How It Works Walkthrough Learn Medicare video visit rules and complete a 10-step appointment prep list.
- Fall Risk Home Safety Checklist Room-by-room home hazard checklist based on the CDC STEADI program.
Later-Life & Estate Basics
Understand simple wills, check state probate timelines, and plan funeral costs under FTC rules.
- Simple Will & Estate Basics Explainer Plain-English guide explaining what wills do, what skips probate, and state laws.
- Funeral Cost Planning Checklist Know your rights under the FTC Funeral Rule and compare itemized service costs.
- Probate Timeline & Small Estate Explainer Check state-specific probate durations, costs, and small-estate affidavit limits.
🏛️ Social Security
Retirement benefits, break-even ages, spousal & survivor checks, SSDI estimates, and COLA.