Social Security in Kerdora gets entered in Profile > Cashflow > Income, with the Income type set to Social Security and the Owner set to the adult who'll receive the benefit. You pick a frequency (Monthly, Annually, etc.) and enter the amount in that frequency — Kerdora handles the conversion to annual everywhere else.

There are also two other places SS shows up in the platform: as an annual figure in the Retirement Goal calculator, and as an annual benefit in the Taxes module. Both are separate from the Cashflow entry.

Go to Profile > Cashflow > Income in the client and click + Add Income, choosing Social Security as the type.

In the modal:

The frequency picker is what makes this flexible. The SSA statement shows a monthly benefit, so the path of least resistance is:

Pick Monthly frequency and enter the SSA monthly benefit directly. Kerdora multiplies by 12 to get the annual figure used everywhere else in the platform.

You can also pick Annually and enter the yearly total if you've already done the math.

Inside a Retirement goal, Step 5: Other income sources has a single dollar input for income the client expects in retirement outside their portfolio (Social Security, pensions, annuities, rental income).

This field is annual-only — there's no frequency picker. If you're entering SS here, multiply the monthly benefit by 12. The label below the field reminds you: "Social Security, pensions, annuities."

Step 5 isn't wired to the Cashflow Income entry. It's a separate input on the goal, so you can model "what if SS pays X" without changing the client's actual cashflow data.

In Planning > Taxes, each adult has a Social Security Benefits field on their tax-input card. This drives the taxable-SS calculation (the federal rules for how much of SS is taxable based on combined income).

The field is annual and can be set to derived — when derived, Kerdora pulls the annual SS amount from that adult's Cashflow Income entries.

<table header-row="false" header-column="false">

<tr>

<td>Where</td>

<td>Frequency convention</td>

</tr>

<tr>

<td>Profile > Cashflow > Income</td>

<td>Pick a frequency (Monthly, Annually, etc.). Use Monthly to match the SSA statement.</td>

</tr>

<tr>

<td>Retirement Goal Step 5</td>

<td>Annual only. Multiply monthly × 12.</td>

</tr>

<tr>

<td>Taxes module</td>

<td>Annual only. Can derive from Cashflow.</td>

</tr>

</table>

Once SS is entered as an Income on Cashflow, it counts toward total household income on the Overview page and in cashflow-based observations.

For the Retirement Goal Projected Outcome card, SS doesn't automatically pull in from Cashflow — you set it through Step 5: Other income sources on the goal itself. That number gets:

This separation is intentional. Cashflow models current income. Retirement Goal models future retirement income. A client age 50 making wages today won't have SS on their Cashflow yet, but you still want to plan around the SS benefit they'll start at 67 — so the goal-level Step 5 handles that.

If both spouses are claiming SS, add two separate Income entries on Cashflow — one per adult. Don't combine them into a single "Joint" entry. SS is owned individually (each person has their own benefit based on their earnings record), and keeping them separate lets the Taxes module attribute the right amount to each adult.

For Step 5 on the Retirement Goal, you'll combine them into a single annual figure, since Step 5 is one number for the whole household.