A current-law guide
Social Security & Medicare
The Rules Keep Changing — Give Your Benefits an Annual Checkup. When to claim, how benefits are taxed, how to protect a surviving spouse, and how to read Medicare.
The Toolkit bundle is the eBook plus direct access to the companion workbook (and the app/Notion template as it ships). The paperback already includes the workbook via the code printed inside.
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Companion workbook
Your companion workbook
The workbook is included with the book. Enter the access code printed on the last page to download it — it runs your own claiming ages, the survivor floor, federal taxability, and IRMAA.
Watch first
New to spreadsheets? Start here
A short walkthrough: where to type your numbers, and what the workbook does for you.
Four steps
How the workbook works
You only ever type in the yellow cells. Everything else fills in for you.
Shortcut
Fill it from your SSA statement
Already downloaded the XML from your my Social Security account? Drop it here and this page builds the earnings column for you — ready to paste straight into the workbook. Nothing is uploaded; the file is read right here in your browser.
social-security-statement.xml here
— or click to choose the file —
🔒 Private: the file never leaves your computer.
Your privacy
The workbook never asks for your Social Security number, and nothing you type is sent anywhere — it stays in the file on your own computer.
When you’ve entered your details, you can lock the file with a password in two clicks: File → Info → Protect Workbook → Encrypt with Password.
Stay current optional
A note when the next edition is ready
The law changes most years, and a new edition comes out when it does. Leave your email if you’d like a heads-up — it isn’t needed to unlock anything above.