Editorial Policy

RetireCalcs publishes free calculators and plain-language guides covering retirement saving, 401(k)s, IRAs, Social Security, and drawdown planning. This page explains who produces that content, how we research and check it, and the standards we hold ourselves to. When money is involved, you deserve to know where the numbers and the advice on a page come from — so here it is.

Who is behind RetireCalcs

RetireCalcs is built and operated by Express Services Group, a company based in Fresno, California. The same team designs the calculators, writes the guides, reviews the formulas behind them, and answers when a reader reports a problem. Content is produced by the Express Services Group Editorial Team and published under our own name — not by anonymous freelancers, and not copied from elsewhere.

How we create our content

Every calculator runs on the standard, published formulas a lender, accountant, or actuary would use — amortization schedules, periodic compounding, statutory tax tables, and the like — implemented in code that runs entirely in your browser. Our guides start from the real questions people ask and answer them in specific, numeric terms rather than vague generalities. Where a guide cites a rate, a contribution limit, or a rule of thumb, we use current published figures at the time of writing and say plainly when a number is an estimate or a national average that will vary by your situation.

How we review and keep it current

Everything we publish is reviewed against one standard: is this genuinely useful and accurate for the person who searched for it? Pages that would exist only to chase search traffic do not get published. We revisit our finance content periodically — and whenever tax rules, contribution limits, or prevailing rates change materially — and update the figures and guidance accordingly. Each guide shows when it was published and when it was last reviewed, so you can judge for yourself how current it is.

Our sources

We rely on primary and authoritative sources wherever possible: the IRS and Social Security Administration for tax and benefit rules, the Federal Reserve and U.S. Treasury for rates, state departments of revenue and insurance for state-specific figures, and product terms published by the providers themselves. Figures change; when they do, the version on the page may lag reality for a short time, which is exactly why we date every guide and welcome corrections.

Editorial independence

RetireCalcs is free to use and supported by modest display advertising. Advertisers have no say over our calculators, our guides, or the guidance in them, and we do not tailor content to any advertiser. When a guide mentions a product type — a loan, a card, an insurance policy — it is to explain how the math works, not to steer you toward a particular company.

This is not professional advice

This guide is for general educational and informational purposes only and is not financial, tax, retirement, or investment advice. Projections are estimates based on the assumptions you provide; markets, tax law, and contribution limits change over time. Consult a licensed financial advisor or tax professional before making retirement decisions. Our calculators and guides are educational tools, not a substitute for advice from a licensed professional who knows your full situation.

Corrections and contact

Found an error, or think a figure is out of date? Email support@expressservicesgroup.com. A real person on our team reads every message, and accuracy reports go to the front of the queue.