Terms of Service

Last updated: August 2026

By using BenefitCalculators.com you accept the terms below. If you do not accept them, please do not use the site.

Educational use only

The calculators produce simplified estimates for general information. They are not financial, legal, tax or benefits advice, and they do not create any advisory relationship. Decisions about when to claim Social Security or whether to apply for SSI should be made with the SSA and, where the stakes warrant it, a qualified professional.

No warranty of accuracy

The estimates rest on simplifying assumptions — chiefly a steady earnings history — and on figures published for 2026 that change from year to year. Your actual benefit depends on your full earnings record and on rules this site does not model, including spousal and survivor benefits, the Windfall Elimination Provision, state SSI supplements and living arrangements. The site is provided "as is", without warranty of any kind. Your official amount comes from ssa.gov/myaccount.

No affiliation with the government

This is an independent, privately operated site. It is not affiliated with, endorsed by, or connected to the Social Security Administration or any other government agency. Applying for benefits is free and is done at ssa.gov.

Limitation of liability

To the fullest extent permitted by law, the operator of this site is not liable for any loss arising from reliance on an estimate produced here, including any decision to claim benefits earlier or later than you otherwise would have.

Acceptable use

You may use the calculators for personal, non-commercial purposes and link to the site freely. Please do not scrape, republish the content as your own, or attempt to interfere with the site's operation.

Changes

These terms may be updated; the date at the top of the page shows when that last happened. Continued use after a change means you accept the revised terms. Questions can go to contact@benefitcalculators.com.