ProductTransparency
Free to Plan, Forever — and How We'll Make Money
retireclarity's business model, said plainly: the core planner is free, we never sell your data, and paid is for advanced features. Told up front.
Jul 23, 20264 min read
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Blog
Tax-efficient retirement strategies backed by real data and historical analysis.
HealthcareFIRE
The ACA Bridge: Health Insurance from Early Retirement to Medicare
Under 2026 law the 400% FPL cliff is back. How the subsidy math actually works, why MAGI is the early retiree’s biggest lever, and the Medicaid trap waiting for $0-income households.
Jul 11, 20267 min read
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The Roth Conversion Ladder, Modeled Honestly
The IRS ordering rules, the per-conversion 5-year clocks, a real ladder schedule, and the penalty math when a rung comes up short — plus what the engine actually tracks.
Jul 11, 20267 min read
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72(t) SEPP: The Early-Access Tool of Last Resort
SEPP payments unlock your IRA at any age with no penalty — and lock you into a fixed payment for up to a decade. The amortization math, the recapture risk, and when a ladder or Rule of 55 beats it.
Jul 11, 20267 min read
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Inside the Social Security Optimizer: Finding Your Best Claiming Strategy
How does a Social Security optimizer evaluate 81 claiming combinations? Learn the mechanics — two-phase Monte Carlo, dynamic scoring, survivor benefits, and tax interactions.
Jan 17, 20268 min read
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Inside the Roth Conversion Calculator: How the Math Actually Works
How does a Roth conversion calculator decide how much to convert? Learn the actual mechanics — maximizing after-tax estate, cheapest-tax-space-first, IRMAA cliffs, and ACA tradeoffs.
Dec 22, 20258 min read
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When to Claim Social Security: The Math Behind the Decision
Everyone has an opinion on Social Security timing. Most of them are wrong. Here's how to actually think through it — and why 'take it early' is usually bad advice.
Dec 6, 20257 min read
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Roth Conversions: When They Make Sense (And When They Don't)
The math behind Roth conversions isn't intuitive. Here's how to think through the decision — with examples showing when converting saves money and when it backfires.
Nov 20, 20255 min read
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Why "Average Returns" Will Mislead Your Retirement Plan
A 7% average return doesn't mean you'll get 7% every year. Here's how sequence of returns risk can wreck a portfolio — and how to stress-test your plan against real market history.
Oct 18, 20256 min read
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The ACA Cliff: Why a $1,000 Raise Can Cost You $20,000
If you retire before 65, healthcare subsidies depend on your income. Go $1 over the limit and you lose everything. Here's how to plan around it.
Sep 15, 20255 min read
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The RMD Problem: Why Your IRA Might Cost More in Taxes Than It's Worth
Required Minimum Distributions force you to withdraw from your IRA whether you need the money or not. Here's how to shrink the tax bill before it starts.
Aug 12, 20256 min read
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