Smirking Cat Software

Payroll tax, invested

Private Social Security

Employee and employer OASDI, invested in the US total market through August 2026, using actual CPI-U. Use the earnings record, or estimate a career from age, years of school, and salary. From September 2026 the account and the COLA use your estimates.

Your assumptions

Social Security earnings record, 1978–2025. Both the employee and employer OASDI amounts are deposited.

Drawdown starting in 2027. On the earnings record, 25 years is ages 67–91.
Estimate for the rest of 2026 and the retirement COLA. History is actual CPI-U.
Estimate for the rest of 2026 and retirement. History is the total market.

Results