Who publishes this site

We do not sell insurance. We are not licensed agents or brokers, we take no commissions, and we will not pass your details to anyone who does. No tool here asks for your email before it works.

We are not advisors. Nobody here is a financial advisor, tax preparer or attorney. Nothing on this site is advice about your situation. We do arithmetic on published figures and name the tradeoffs — the decision, and any professional you want to involve in it, is yours.

We are not the government. Retirement Equation is not affiliated with, endorsed by, or approved by the U.S. government, the Centers for Medicare & Medicaid Services, the Social Security Administration, or the Medicare program. For decisions about your own coverage, contact Social Security on 1-800-772-1213 or see medicare.gov.

Every figure traces to a named CMS or SSA document, listed on Sources. That is deliberate: it makes any error checkable rather than a matter of opinion, and fixable in one file rather than across a dozen pages.

Where a figure has not been published yet, we say so. Unpublished years carry no table.

If something here does not match CMS or SSA, please tell us and we will correct it.

This site is published as retirementequation.com. It is independent: not affiliated with, endorsed by or approved by the U.S. government, the Centers for Medicare & Medicaid Services, the Social Security Administration or the Medicare program. Corrections go to corrections, errors and omissions, and we publish what we changed.

Each set of figures below carries the date it was last checked against the CMS, SSA or eCFR document it comes from — not the date the page was edited.