Effective date: June 6, 2026
SSARetireCap.com is a free educational tool created by Carolyn McDonough and Kyle Weissberg to help people understand how Social Security retirement income is affected by wages earned before Full Retirement Age.
We collect no personal data. The calculator runs entirely within your browser. No values you enter — including your monthly payment, wages, birth month, or birth year — are ever transmitted to any server, stored in any database, or shared with any third party.
When you close or refresh the page, all values are gone. There is no account, no login, and no session storage.
This site does not use cookies of any kind — no tracking cookies, no analytics cookies, no advertising cookies, and no session cookies.
The only external resource this page loads is:
There are no analytics services, no advertising networks, no social media trackers, and no other third-party scripts on this site.
This tool is intended for adults planning for retirement. We do not knowingly collect any information from anyone under the age of 18.
If we ever change this privacy policy, we will update the effective date above. Given the nature of this tool, we do not anticipate any changes that would affect your privacy.
If you have any questions about this privacy policy, you can reach Carolyn McDonough via LinkedIn.
This calculator is provided for educational and informational purposes only. It is not an official SSA tool and is not affiliated with, endorsed by, or sponsored by the Social Security Administration or any government agency. Please consult a licensed financial advisor or contact the SSA directly for personalized guidance. We hope that you enjoy this tool and that it helps you plan your retirement.