Educational planning purpose
US Retirement Planner is independent and is not part of, a representative of or certified by the US government. It does not submit SSA, Medicare or IRS applications, sell Medicare insurance or recommend individual securities.
Limits of calculations and screening
Results use your inputs, specific-year rules and stated assumptions. They are not an official eligibility determination, tax filing, legal opinion or individual investment advice. Missing information is marked for verification. Automatic reports are not individually reviewed by a professional.
Verify official records yourself
SSA Earnings Records control work credits and covered earnings. Status, overseas residence, family relationships, special employment, disability and complex tax issues need official or appropriate professional review. Do not rely solely on this tool to stop working, claim benefits, delay insurance or make irreversible account changes.
Rule years and projections
Credits use the selected income year's rules. A future 40-credit date assumes fixed annual credits and does not guarantee future work, earnings or eligibility. The claiming comparison uses only your own age-adjustment factor, excluding COLA, earnings tests, taxes and future earnings changes. This version does not project investment returns.
Free preview and future paid services
Core features are free without registration. All paid products are unavailable. Before charging, the operator, service scope, renewal, cancellation, refunds, report allowances and data terms will be published. There is no current purchase contract or charge.
Files and user responsibility
Check exported dates, inputs and assumptions, and safeguard local copies. Historical reports reflect their original rules and inputs, not current eligibility verification. Optional accounts support active saving and deletion; the preview may reset and should not be your only backup. Device and browser compatibility can affect printing and downloads. Long-term hosting and full offline operation are not promised.