Democratizing retirement planning with powerful tools and proven strategies for achieving financial independence.
"To empower individuals to take control of their financial future through accessible, practical tools and education - without needing expensive financial advisors."
We believe everyone deserves access to sophisticated retirement planning strategies, not just the wealthy. Our tools bridge the gap between basic online calculators and expensive professional advice, giving you the power to make informed decisions about your financial future.
Plan My Retire was born from personal frustration. Like many, we discovered the FIRE (Financial Independence, Retire Early) movement and immediately saw its potential. But we also noticed a problem: the gap between simple online calculators and comprehensive financial planning was enormous.
Generic calculators couldn't handle the complexity of real retirement planning - like optimizing Social Security timing while protecting ACA subsidies, or strategizing Roth conversions to minimize lifetime taxes.
Professional financial advisors could help, but their fees (often 1% of assets annually) would cost tens of thousands of dollars over a retirement timeline. For someone pursuing FIRE, that's years of additional work.
So we built the tools we wished existed: sophisticated, specialized calculators that address the real challenges of early retirement planning.
Built for Early Retirees: Unlike traditional retirement tools designed for 65+ retirees, our calculators address the unique challenges of retiring in your 40s or 50s - the "gap years" before Social Security and Medicare, tax-efficient withdrawal strategies, and ACA subsidy optimization.
Privacy First: Your financial data stays in your browser. We don't collect, store, or sell your information. Period.
Transparent Methodology: We explain the assumptions behind every calculation. No black boxes. You can verify our math and understand exactly how results are derived.
Continuous Improvement: Tax laws change. Healthcare rules evolve. We continuously update our tools to reflect current regulations and best practices.
We obsess over getting the math right. Our calculators use real tax brackets, actual ACA rules, and current Social Security formulas.
Your financial data never leaves your device. We use local browser storage only - no servers, no tracking, no selling your information.
We don't just give you numbers - we help you understand the "why" behind every strategy so you can make informed decisions.
Sophisticated financial planning shouldn't require a $5,000 advisor. We make advanced strategies accessible to everyone.
We show our work. Every calculation methodology is documented so you can verify and trust the results.
We build tools that don't exist elsewhere - like our Social Security optimizer that factors in ACA subsidy impacts.
Every tool is built on IRS tax code, SSA formulas, and healthcare.gov guidelines. We cite our sources and update calculations annually.
We're on the FIRE journey ourselves. We understand the real-world challenges because we face them too.
Our team combines software engineering with deep knowledge of tax optimization, investment strategies, and retirement planning.
We stay current on tax law changes, Social Security updates, and healthcare policy. Our tools evolve with the regulations.
| Feature | Free Calculators | Financial Advisor | Plan My Retire |
|---|---|---|---|
| ACA Subsidy Optimization | No | Sometimes | Yes |
| Social Security + Healthcare Integration | No | Sometimes | Yes |
| Roth Conversion Tax Bracket Visualization | No | Sometimes | Yes |
| Early Retirement Focus (pre-59.5) | Rarely | Sometimes | Yes |
| Data Privacy (No Collection) | Often tracks | Varies | 100% Private |
| Cost | Free | $2,000-$10,000+/yr | $9.99/mo or $299 lifetime |
Join thousands of members using our tools to achieve financial independence faster and smarter.