Tools
Free tools, calculators & printables
Practical, free tools to take the guesswork out of the big retirement questions — price your pre-65 health coverage, find your Medicare dates, hunt down senior discounts, keep your mind sharp, look up trusted resources, and grab our one-page printables and checklists. The tools need no sign-up.
All tools
What My Family Needs to Know
Twelve questions about your situation, and you'll see exactly where your family would get stuck — plus a page to print and fill in by hand. No personal details collected.
Health Insurance & ACA Subsidy Calculator
Retiring before 65? Estimate your COBRA-vs-Marketplace costs and the 2026 subsidy cliff.
Medicare Enrollment Calendar
Enter your birthday for your personal Medicare, Social Security, and first-RMD dates — with a downloadable calendar.
Which Social Security Benefit Should You Claim, and When?
An interactive flowchart for widows and divorced women: which Social Security benefit to claim first, and when, based on SSA's own rules.
Social Security Survivor Benefits for Widows
SSA's own watchdog found 5,367 widows lost an average $21,212 each by claiming in the wrong order. The fix is one sequencing rule — here's how it works.
Senior Discounts
A filterable, sourced list of senior and retiree discounts — restaurants, stores, travel, and parks.
Brain Games
Play free brain games online — Sudoku, memory match, word search, and word scramble. No download.
Resources & Reference Library
Government and non-profit links for Social Security, Medicare, estate planning, and caregiving.
Free printables & checklists
Free one-page printables and checklists — no purchase, ever. Most we'll send straight to your inbox for just an email address; the obituary template downloads on the spot, no email needed.
The Solo Ager's Document Kit
A free, fillable kit for aging solo — the one-page plan, a document checklist with links to your state's official forms, a wallet card, and the ask-a-friend script. Sent by email.
30-Day Retirement Countdown
A free day-by-day checklist for the last month before your retirement date — the notice, the pension election, the coverage switch. Sent by email.
Retirement Idea Sparker
A free one-pager of ideas for your next chapter — eight categories to spark what's next, plus a place to pin your top three. Sent by email.
Critical Info at a Glance
A free one-page emergency printable — contacts, medical snapshot, policy numbers, and where the important papers live. Sent by email.
Questions to Ask Your Aging Parents
A free page of 30 questions that surface what your parents actually want — health, money, documents, and final wishes — before it's too late to ask. Sent by email.
Caregiver's Financial-Protection Checklist
A free one-page checklist to protect a caregiving family's money — the accounts to guard, the documents to gather, and the mistakes that drain a parent's savings. Sent by email.
The Solo Bridge Worksheet
Retire before 65 and one dollar of income over the line costs you the whole health-insurance subsidy. A free two-page worksheet: find your ceiling, then spend from the right account. Sent by email.
Survivor Benefit Decision Kit
Widowed or divorced, you may have more than one Social Security benefit to claim — and the order is worth tens of thousands. A free which-benefit-when flowchart, the questions to ask SSA, and the claim-then-switch sequence. Sent by email.
First 90 Days After Losing a Spouse
A free checklist of what to handle in the first 90 days after a spouse dies, in order. Sent by email.
Fill-in Obituary Template
A free fill-in-the-blank obituary template — a fact-gathering worksheet, a short newspaper notice, and a longer full tribute. No email required — download it and keep it.
Planners & Books
