Help Clients Maximize Social Security
& Minimize Medicare Costs
The SS & IRMAA optimizer that shows clients exactly when to claim, how much they'll receive, and how to avoid costly Medicare surcharges — in minutes.
30-day free trial • No charge for 30 days • Cancel anytime • or try free without signing up
Everything you need in one tool
Walk into client meetings with the answers already calculated.
SS Timing Calculator
Break-even analysis for every claiming age 62–70. Show clients the exact age that maximizes their lifetime benefit based on their personal life expectancy.
IRMAA Tier Calculator
Instantly show which Medicare IRMAA tier a client falls in, their annual surcharge, and exactly how much they'd save by reducing MAGI.
Retirement Budget Planner
Model monthly expenses, income sources, and the gap that savings need to fill. Show clients exactly how long their money lasts.
Strategy Library
Roth conversions, bridge strategy, QCDs, IRMAA appeals, spousal benefit coordination — proven strategies explained clearly for client conversations.
Onboarding & Training
Step-by-step guides, power tips, and a 30-day trial checklist so you're delivering value to clients before your first billing date.
Retirement Blueprint
Generate a polished, print-ready client report — SS timing, IRMAA exposure, tax impact, budget gap, and key strategies — all in one page.
Retirement Projection — "Funds Last Until Age X"
Enter portfolio size, other income, and expected return — the tool projects year-by-year how long money lasts. Clients see a clear visual: funds depleted at 88, or safe to 100+. The most powerful "aha" moment in any client meeting.
Why advisors choose Retire360
Built by someone in the industry who knows what clients actually ask in the room.
Ready in under 5 minutes
Enter a birth year, PIA, and MAGI — the full analysis is instant. No spreadsheets, no setup, no training required.
Numbers clients understand
Visual charts, plain language, and dollar figures — not formulas. Clients leave knowing exactly what to do and why.
Covers what competitors miss
SS + IRMAA + Medicare + federal tax on benefits + retirement projection — all in one tool. Most tools only do one piece.
"I used to spend 30 minutes building SS comparisons in Excel. Now I do it in 2 minutes with a chart clients actually get."
"The IRMAA cliff alert paid for itself on the first client. Saved them $3,500/yr they didn't know they were losing."
"The Blueprint report is what closes deals. I email it after the meeting and clients call back ready to move forward."
Ready to walk into your next meeting with the answers already calculated?
Join advisors who use Retire360 to deliver SS, IRMAA, and Medicare analysis in under 5 minutes.
Start 7-Day Free TrialNo charge for 30 days • Cancel anytime
See it in action
Exactly what opens when you log in — live calculators with real math, not screenshots.
SS Timing Analysis
Jane Smith · Born 1960 · PIA $2,100/mo · Life expectancy 85
That's exactly what you get on day one. No setup. No spreadsheets.
Start Free — 7 Days, No ChargeBuilt for how you actually work
Real screenshots from the live app — no mockups, no stock photos.
Enter a client's birth year, PIA, and income — get the optimal claiming age, lifetime benefit comparison, and IRMAA tier in seconds. No signup needed to try it yourself →
Save every client scenario. One click reloads their data and pre-fills the calculator instantly. No exporting to spreadsheets, no re-entering numbers.
Show clients exactly how much Medicare surcharges will cost them based on income — and how much they save by staying under a threshold. The kind of chart that closes conversations.
Simple pricing
Everything included. Cancel anytime.
30-day free trial • Cancel anytime
- ✓ SS Timing Calculator
- ✓ IRMAA calculator
- ✓ Retirement Budget Planner
- ✓ Full strategy library
- ✓ Unlimited client scenarios
- ✓ Client intake chatbot
- ✓ Retirement Blueprint reports
- ✓ Onboarding & training center
$49/mo billed monthly
2 months free
30-day free trial • Cancel anytime
- ✓ Everything in Monthly
- ✓ Save $88/year vs monthly
- ✓ One simple annual charge
- ✓ Lock in current pricing
Common questions
We need a card on file to start your trial, but nothing is charged for 30 days. Cancel any time before then from your billing dashboard — one click, no emails required.
No contracts. Month-to-month. Cancel anytime from your billing dashboard.
Yes — unlimited. Run as many client scenarios as you need. The tool resets with each new session.
IRMAA thresholds and Social Security rules reflect current year figures. We review and update the numbers each year when the IRS and SSA publish new figures, typically in the fall.