FREE RETIREMENT RESOURCES
20 free tools, organized by the problem in front of you.
Every one is a printable page or worksheet in plain English and large type. No charge, and nothing here holds the answer back for a paid product.
Social Security payments
2026 Social Security & SSI Payment Calendar
Every 2026 payment date for Social Security and SSI, on one printable page.
Social Security Overpayment Notice: First-Day Response Checklist
The first-day response check for an overpayment notice, before the withholding starts.
2026 Government Check Reality Tracker
Track what is due, what arrived and what is short, month by month.
Claiming and family benefits
Claim at 62, FRA or 70? Comparison Worksheet
Claim at 62, full retirement age or 70? The comparison worksheet you fill from your own statement.
Spousal & Survivor Benefits Eligibility Map
Which spousal, divorced-spouse and survivor benefits you may qualify for, and in what order.
SSI and disability
SSI & Disability Income, Work and Review Checkup
Income, work and review checkup: what counts against you and what does not.
Medicare
2027 Medicare Plan-Change Checklist + ANOC Review Sheet
The 2027 plan-change checklist, plus the sheet for reading the notice your plan mails each autumn.
Medicare Premium Help & IRMAA Route Finder
Which premium-help route fits you, and how to appeal an IRMAA surcharge set on old income.
Prescription Coverage & Pharmacy Change Checklist
Check every prescription against a plan before you switch, and what to do when a pharmacy changes.
Medicare Hospital Bills & Appeals First-Steps Card
First steps on a hospital bill or a coverage refusal, and the deadline that starts when you get it.
Taxes and withdrawals
2026 Retirement Tax, RMD & Medicare Deadline Calendar
The 2026 calendar of tax, RMD and Medicare deadlines, in the order they arrive.
Will My Social Security Be Taxed? Quick Worksheet
Will your Social Security be taxed? Work out your provisional income in about five minutes.
Refunds and settlements
IRS Refund Delay Decision Tree + Status Tracker
A decision tree for a refund that has not come, and a tracker for the notices that explain why.
Current Open Settlements & Consumer Refund Tracker
The settlements open for claims now, with who qualifies and where to file.
Scams and identity theft
Scam Call & Identity-Theft First-Hour Action Card
The first-hour action card for a scam call or a stolen identity. Print it before you need it.
Bank accounts and debt
Bank, Debt & Protected-Benefit Account Checkup
Check that your benefits are provably exempt, and what a collector may and may not do.
SNAP and Medicaid
SNAP Recertification & EBT Problem Checklist
Recertification documents, deadlines, and what to do when the EBT card goes wrong.
Medicaid Renewal Documents & Deadline Checklist
Renewal documents and dates, plus the 90-day window if you are dropped for paperwork.
Property tax and home costs
Senior Property Tax & Utility Relief Finder
Find the senior property-tax break and the utility help available where you live.
Veterans
Veterans Benefits Eligibility Starter Checkup
The eligibility starter checkup for a veteran or a surviving spouse.