YOUR FIRST STEP

How close are you to 40 credits?

Use covered earnings to understand your progress and plan next steps for your household.

1 Basics

2 Income and credits

3 Your planning results

Start with the basics

We ask only for information needed for this calculation.

Which income year would you like to calculate?Rules follow the selected income year and are not applied to other years.

Who is this plan for?

Your birth year and month (optional)

Year and month only, for age and Medicare reminders. No exact birth date needed. You can calculate credits without entering this.

Birth yearBirth month

Rules reviewed: 2026-10-22 · 2026 For the selected year, each $1,890 of covered earnings earns 1 credit, up to 4 per year. SSA annual credit rules

Want to continue later?

Optionally save a version. Free calculations do not require an account.

Checking optional saving…