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You check your retirement account balance... again. Is it enough? Can you afford that trip to see the grandkids? What if there's another market crash?
Maybe you skip the nice restaurant because you're not sure if you should be spending that money. Or you say "no" to helping your kids, even though you'd love to, because what if YOU need it later?
of retirees are off-track with their spending
worry constantly about running out of money
lose sleep over unexpected healthcare costs
Here's the thing: you're not broke. You've probably got decent savings. The problem is, nobody's given you a straight answer about how much you can actually spend without screwing up your future.
That "4% rule" everyone talks about? Yeah, it was invented in 1994. Your situation is unique—your age, your expenses, your health, today's market. Cookie-cutter advice doesn't cut it anymore.
Sure, you could hire a financial advisor. If you've got an extra $5,000+ a year lying around. (Ironic, right?)
There's gotta be a better way.
That's exactly what RetireFree does. You tell us your age, how much you've saved, and what you spend each month. Our AI does the math—the really complicated, market-tested, inflation-adjusted math—and gives you one simple number: "Here's how much you can safely spend this month."
No confusing jargon. No $5,000 advisor fees. Just $15/month for peace of mind.
Remember what 8 hours of uninterrupted sleep feels like? Our AI keeps tabs on the market, adjusts for inflation, factors in your life expectancy—all the stuff that keeps you up at 3am—and tells you if you're still on track. You can finally stop refreshing your bank app at midnight.
Punch in your numbers once. That's it. Every month, you get a simple update: "Yep, you're good to spend $X this month" or "Hey, markets are wonky—maybe dial it back to $Y for now." No spreadsheets. No calculator. No PhD in finance required.
You've been dreaming about that Alaska cruise for years. Or finally visiting your daughter in California. Or just being able to take the grandkids out for ice cream without calculating if you can "afford" it. When you know the numbers add up, you stop feeling guilty and start actually living. That's the whole point, right?
Get instant AI-powered withdrawal recommendations. No signup required.
Financial advisors charge $5,000+ a year. That's a hundred bucks a week.
We're talking less than a couple of fancy coffees. Seriously.
Join hundreds of retirees who stopped guessing and started living.
“I used to check my accounts every single morning, terrified I was spending too much. RetireFree gave me a clear number I can trust. I finally booked that trip to see my grandkids in Oregon.”
John M.
67, retired teacher — Portland, OR
“My advisor charged $6,000 a year and still couldn't give me a straight answer on how much I could spend monthly. RetireFree does it for $15. Best money decision I've made since retiring.”
Susan R.
72, retired nurse — Tampa, FL
“After the 2022 market drop, I was paralyzed—afraid to spend anything. RetireFree showed me I was actually underspending. Now my wife and I eat out twice a week without the guilt.”
Robert K.
69, retired engineer — Scottsdale, AZ
Yes. We use the same encryption your bank uses. Your data is locked down tight—encrypted coming and going. We don't sell your info to anyone (seriously, who does that?). And if you ever want out, disconnect anytime. It's your data.
Financial advisors do a lot—estate planning, tax strategies, the whole nine yards. We do one thing really well: tell you how much you can safely spend right now. If you've already got an advisor, great—we'll complement what they do. If you don't want to drop $5,000 a year on one, we've got you covered for 15 bucks a month.
Life happens. Maybe you inherit some money from Aunt Betty. Maybe you need a new roof. Maybe the market tanks (again). Just update your numbers and boom—you've got a fresh recommendation. The AI adjusts automatically. No need to schedule a meeting with some guy in a suit.
Yep. One click and you're out. No phone calls. No "are you sure?" guilt trips. No contracts. You'll have access until the end of your billing period, and then that's it. We're not gonna make you jump through hoops.
Think of it like a really smart financial calculator. It takes your age, savings, and expenses, and uses AI-powered analysis to figure out how much you can safely spend without running out of money. It factors in inflation, market conditions, and your risk tolerance. Then it keeps updating as things change. Pretty neat, right?