Terms of Use

Last updated: October 2026. By using this site you agree to these terms.

The service

This site provides a free Social Security breakeven calculator for general information only. Results are estimates for planning purposes, not financial advice. Social Security rules are complex and your actual benefit depends on your official earnings record. Always confirm your numbers with your Social Security statement at ssa.gov before making a claiming decision.

Acceptable use

Do not misuse the site, attempt to disrupt it, or scrape it aggressively. We may block abusive traffic.

Liability

The site is provided as is, without warranties. To the fullest extent the law allows, we are not liable for decisions you make based on its output.