About RetireCalcs

RetireCalcs is free retirement calculators, built around one principle: no advisor pitch. We don't collect your phone number. No commissioned salesperson will call you about "guaranteed lifetime income." You get the math, you leave.

Why we built it

Most retirement calculator sites are lead-gen funnels for advisors and annuity salespeople. You enter your savings → they ask for your phone number → 5 different firms call you trying to sell variable annuities and managed accounts charging 1-2% AUM.

We flipped that. The calculator is the entire product. Honest math: 401(k) growth with employer match, IRA vs Roth break-even, 4% rule withdrawal, FIRE number, RMD by age. No phone number field. No advisor referral.

Are the projections accurate?

The math is exact for the inputs you provide. Real-world retirement is uncertain — sequence-of-returns risk, inflation surprises, healthcare costs, longevity. Use these projections as planning tools, not guarantees. The 4% rule has ~88% success over 30 years; drop to 3.25% for 50-year FIRE retirements.

How we make money

Banner ads (Google AdSense) on calculator pages. That's the entire business model. No subscriptions, no premium tier, no kickbacks from advisors or annuity providers.

Sister sites

RetireCalcs is part of a small portfolio of free, no-signup tools: PDFShed, PixShed, SimplyCalcs, ResumeShed, InsureCalcs, CreditCardCalcs.