About RetireGolden
An independent, free retirement planner built on one idea: your financial plan is yours, and it should never have to leave your device.
What it is
RetireGolden is an educational retirement planner that runs entirely in your browser. You build a household plan — accounts, income, spending, insurance, Social Security — and explore year-by-year projections, federal and state taxes, Roth-conversion strategies, and Monte Carlo stress tests. All of it is computed locally, on your device, by your browser.
There are no accounts, no ads, no affiliate links, and no lead generation. The source code is public under the AGPL-3.0 license, so any of these claims can be checked rather than taken on faith.
Why it exists
Retirement tools notoriously disagree — the same plan can look comfortable in one tool and alarming in another, and most tools won't show you why. And the free ones usually have a business model attached: your email, your assets under management, your attention.
RetireGolden began as a personal decision aid and grew into a planner built the way its author wanted one to work: math you can audit down to a year-by-year ledger, assumptions that cite their sources, and an architecture that makes data collection impossible rather than merely promised away. Keeping it free keeps its incentives clean — the tool has no reason to nudge you toward any product, provider, or conclusion.
Who is behind it
RetireGolden is built and maintained by RetireGolden, LLC, an independent company with no affiliation to any brokerage, insurer, or advisory firm. It is a small project by design: no support team, no sales team, no feature-schedule guarantees — those limits are stated plainly on the sustainability page.
Questions, corrections, press, or business inquiries: [email protected]
What it is not
RetireGolden is an educational modeling tool, not financial, tax, legal, or investment advice, and using it creates no advisor–client relationship. It models current law at planning precision, states its simplifications, and expects you to verify decisions that matter with a qualified professional. The full disclaimer lives in the app, alongside the assumptions it applies.
Dig deeper
Two pages back up the claims on this one: Methodology & validation shows how the tax, Social Security, and optimization math is tested against independent implementations, and Sustainability & your data covers the privacy architecture, the export format, and the honest limits of a small project.