How RetireFree Works

The Simple Version

1. 1. You enter inputs: current age, savings, monthly expenses, risk tolerance, Social Security, and allocation.
2. 2. The engine calculates: time horizon, net portfolio withdrawal need, withdrawal rate, confidence score, warnings, and assumptions.
3. 3. AI explains: an AI provider may translate the engine output into readable guidance, but it cannot create or change the numbers.
4. 4. You review limitations: every result links to the methodology and shows versioned assumptions when available.

What the Engine Uses

• Inflation assumption: 3.0%
• 60/40 portfolio return range: 3.8%–6.4%
• Default life expectancy: 90
• Social Security full retirement age assumption: 67

Why This Is More Trustworthy Than AI-Only Math

AI text models are good at explaining, summarizing, and personalizing language. They are not the right place to source financial calculations. RetireFree now keeps the numerical layer in testable TypeScript functions, with golden persona tests and version stamps.

Important Limitations

• This is an educational planning estimate, not individualized financial advice.
• The confidence score is a heuristic band, not a Monte Carlo simulation claim.
• The model does not yet optimize taxes, Roth conversions, RMDs, Medicare premiums, or state-specific rules.
• Future modules will add scenario comparison, Social Security claiming analysis, and Roth conversion windows.

Ready to Try It?