Free retirement planner — no signup, no account, no email
Open it and start. There is no signup wall in front of the math, no email capture, and no login. You plan; we don’t collect you.
Most “free” retirement planners are free to look at. To actually run your numbers you hit a create-your-account step, hand over an email, and your plan starts living on someone else’s server. retireclarity skips that entirely. No account is needed to plan — you land on the calculator and start entering your accounts, spending, and ages immediately.
Why no account is a privacy feature, not just convenience
An account is the hook every other step hangs on. Once a tool has your email and a server-side record, there is a profile to market to, a database to breach, and a copy of your finances you no longer control. Removing the account removes all of that at the root. Your plan is stored in your browser — it isn’t sent to us — so there is nothing to log in to and nothing on our side to leak.
What you still get
Skipping the signup doesn’t mean a stripped-down tool. The core planner is free and needs no account: multi-account projections, the Roth conversion optimizer, Monte Carlo over about a century of market history, and federal plus all 50 states taxes. Some advanced features are paid — and anything you use free today stays free to you. More on how we make money without selling your data in free to plan, forever.
No form to fill out first. Open a sample household, then make it yours.
Open the plannerCommon questions
- Do I really not need an account?
- Correct — no account is needed to plan. There is no signup wall, no email capture, and no login. You open the planner and start entering your numbers.
- What is the catch?
- The core planner is free and needs no account — you build your plan and run the analysis without signing up or paying. Some advanced features are paid; that is how retireclarity funds itself instead of selling your data. Device sync, for example, is publicly on the roadmap — opt-in, off by default, and the planner works without it.
- Do you send me marketing email?
- No. Because there is no signup, we do not have your email.