About RetireFree
RetireFree builds educational retirement planning tools for people who want clearer numbers before they make big decisions about spending, Social Security, Roth conversions, Medicare, housing, travel, family support, long-term care, and required minimum distributions.
Our approach
We start with deterministic calculations: user inputs go into documented formulas and assumption sets. AI may help explain the output in plain English, but it does not create or change the retirement math. That separation matters because retirement planning should not feel like a black box.
RetireFree is not a financial advisor, tax preparer, estate attorney, insurance broker, or healthcare navigator. The goal is to help visitors ask better questions and compare tradeoffs before discussing personal decisions with qualified professionals.
What we cover
- Retirement withdrawal and safe-spending scenarios
- Roth conversion windows and RMD pressure
- Social Security claiming and early-retirement bridge years
- Medicare, healthcare, long-term care, and family-support stress tests
- Housing, relocation, travel, survivor, estate-flow, and purpose planning prompts
Trust and limitations
Every calculator page links to the methodology where assumptions are documented. Articles and guides cite official or primary sources where possible, including IRS, SSA, Medicare.gov, CMS, HealthCare.gov, and other public data sources. When a topic requires personal advice, we say so clearly.
See the methodology for calculation assumptions and the editorial policy for how we write and review educational content.