Social Security claiming age
Find your full retirement age and see your monthly benefit at every age from 62 to 70.
Free tool · no email required ·
2026 figures
Retirement Income Gap Calculator for Arizona
Enter what you expect to spend each month in retirement and what will come in from Social Security, a pension and anything else. The difference is your monthly income gap, and multiplied over your planning years it shows how much savings would need to cover.
- Built on published 2026 figures
- Everything runs in your browser
- Nothing you type is sent anywhere
- Free, with no email or sign-up
Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Every figure is one you enter, in today’s dollars.
- No inflation, investment growth, taxes or cost-of-living increases are applied. It is a simple first look.
- Your Social Security estimate is in your my Social Security account at ssa.gov.
- Annuities are insurance products. Guarantees depend on the claims-paying ability of the issuing company.
- This is not tax, legal or investment advice.
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Life, long-term care, annuity and supplemental products are subject to underwriting and carrier approval. Guarantees are based on the claims-paying ability of the issuing company. Nothing on this site is tax, legal or investment advice.
In clients' words
What working with Viola looks like
Excellent customer service here! I had so many questions about changing from work benefits to retirement benefits and Viola answered them all in clear language. She was also readily available for follow up questions and such a nice person to work with on a complex financial change. I highly recommend this service.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Common questions
What is a retirement income gap?
The difference between what you plan to spend each month and the income that will arrive regardless, such as Social Security and pensions. Savings, work or an annuity have to fill it.
Where do I find my Social Security estimate?
In your my Social Security account at ssa.gov, which shows estimates at different claiming ages.
Can an annuity close a retirement income gap?
An income annuity turns part of your savings into payments that can last for life. It is an insurance product; guarantees depend on the claims-paying ability of the issuing company, and it is not right for everyone.
How do I estimate my monthly spending in retirement?
Start with what you spend now, take out work costs such as commuting, and add what changes, especially health care. In 2026 the standard Medicare Part B premium alone is $202.90 a month, before any Medigap, Advantage or drug plan premium. Your bank statements from the last year are an honest guide.
Does the retirement gap calculator include inflation and taxes?
No. It is a simple first look in today’s dollars, with no inflation, investment growth, taxes or cost-of-living increases applied. Prices tend to rise over time and taxes take a share of some income, so treat the result as a starting point and revisit it with a tax professional.
What if the calculator shows a surplus instead of a gap?
Then the income you expect covers your planned spending, at least on paper. Leave room for health costs, home repairs and rising prices before you treat the surplus as spare. It is also a good moment to think about protection for later years, such as long-term care.
Should I claim Social Security early to close the gap?
Think it through first. For anyone with a full retirement age of 67, claiming at 62 pays about 70% of the full benefit for life, while waiting until 70 pays about 124%. Closing a gap early can make it larger later. Our Social Security claiming age calculator shows your own figures at every age.
How can I fill a retirement income gap?
The usual options are drawing on savings, working part-time, lowering spending, or turning part of your savings into lifetime income with an annuity. Each has trade-offs, and many people use a mix. Annuities are insurance products, and their guarantees depend on the claims-paying ability of the issuing company.
Will working part-time reduce my Social Security?
Only if you are under full retirement age and earn more than the limit. In 2026, if you are under full retirement age all year, $1 is withheld for every $2 you earn above $24,480. From full retirement age on, there is no limit. Our earnings test calculator shows how much could be held back.
More free tools
Social Security earnings test
Working while you collect before full retirement age? See how much of your 2026 benefit could be withheld.
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See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Part D penalty calculator
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776