BeginnerLearn the building blocks: income, spending, savings, debt, benefits, and your first retirement number.
U.S. RETIREMENT PLANNING, PLAIN ENGLISH.You can have $2 million
You can have $2 million
and still not retire.
Retirement runs on income, not net worth. Get a Freedom Score in 90 seconds. Free.
- One score
- One paycheck
- One next move
FREEDOM SCOREILLUSTRATIVE
83STRONG / PROTECT ITPLANNED RETIREMENT PAYCHECK$9,341/mo
156% of planned spending
NEXT MOVEFund the healthcare bridgeBefore Medicare. Before optimizing another ETF.
A Roth conversion can raise healthcare costs. A rollover can eliminate Rule-of-55 access.
Share this score ↗Get my Freedom Score →FREEDOM ENGINE / 01
02 / Start here
Retirement strategy for people who never wanted another finance class.
FOR U.S. RETIREMENT PLANNERS / PLAIN ENGLISHSee the whole plan.
See the whole plan.
Then fix one thing.
Freedom Engine connects the four parts of retirement that are usually scattered across statements, calculators, and browser tabs.
Get my Freedom Score →- 01What you haveAccounts, income, savings, and benefits.
- 02What retirement costsSpending, taxes, healthcare, and location.
- 03What to do nextOne priority, with the assumptions shown.
03 / What this is
Retirement planning for normal people, in plain English.
START WITH THE BASICS
RetireDividend helps you understand how your money has to work together.
You do not need to be an expert, own a million dollars, or know every investing term. Start with what you earn, what you spend, what you have saved, and when you want work to become optional.
Then move one level deeper: taxes, Social Security, healthcare, account rules, market drops, and the decisions that can quietly change your retirement.
Building the planConnect your paycheck, accounts, taxes, Social Security, healthcare, and target date.
Intermediate decisionsExplore Roth conversions, Rule of 55, SEPP guardrails, withdrawal order, market stress, and where to live.
Retirement planning without fake-guru nonsense.
Retirement isn’t a date.It’s a system.
Most tools count money. Freedom Engine connects the decisions that determine whether the money works.
A Roth conversion can raise healthcare costs. A rollover can eliminate Rule-of-55 access. A “safe” move can cost more in insurance than it saves in tax. We force those decisions into the same room.
05 / The engine
One plan. Twelve connected decisions.
YOUR DAILY RETIREMENT BRIEFThe whole plan,
The whole plan,
before breakfast.
Freedom Engine turns the information you enter into a daily priority list, then explains the assumptions behind every result.
Get my Freedom Score →Sign in by email to open the app →Freedom score83STRONG / PROTECT IT
Planned retirement paycheck$9,341/mo156% of planned spending
!
Next best actionFund the healthcare bridgeProtect the years before Medicare before optimizing another ETF.
01Daily Freedom Score02Retirement paycheck03FIRE gap04Rule of 5505SEPP guardrails06Roth roadmap07Social Security timing08Medicare bridge09Crash stress test10Survivor plan11State comparison12Overseas budgets
04 / Inside the membership
A clear view of what you see after signing in.
FREEDOM ENGINE PLUSOne connected plan,
One connected plan,
not another dashboard.
Members get a private planning workspace that connects income, taxes, healthcare, Social Security, spending, and real-life decisions.
Already a member? Sign in →Preview values are illustrative. Your workspace uses the information you enter.YOUR FREEDOM SCORE83STRONG / PROTECT IT
One score that shows which part of the plan needs attention first.
PLANNED RETIREMENT PAYCHECK$9,341/mo
Compare income sources with planned spending.
IncomeTaxesHealthBenefits
See how one decision can affect the rest of the plan.
NEXT BEST ACTIONFund the healthcare bridge
Illustrative member preview. Values shown are examples, not a promise or projection.Plain-English guidance with assumptions shown.
04 / Connected planning
Your financial planner gets an hour. This plan keeps learning.
Income
Turn pensions, benefits, dividends, and withdrawals into one retirement paycheck.
↗Tax
See Roth-conversion room, account order, and the cost of getting the sequence wrong.
↗Health
Plan the bridge to Medicare instead of treating healthcare as a footnote.
↗Life
Compare where to live, protect your spouse, and leave a plan someone else can follow.
↗05 / Freedom GuideAsk your plan.
Ask your plan.
Not the internet.
Every answer uses the numbers in your plan, names the assumptions, and tells you when a qualified professional should verify the decision.
YOU / 7:14 AMCan my income cover retirement?
FREEDOM GUIDE / NOWYes, based on what you entered. Your planned income covers 156% of monthly spending. Your next risk is the healthcare bridge before Medicare, not finding another high-yield ETF.
06 / Access
Start free. Upgrade when you want the complete planning system.
Freedom Engine Plus
Every planning engine, Freedom Guide, cloud backup, and ongoing retirement-rule updates.
$99 per yearSave $45 compared with twelve monthly payments.
Build my connected plan →Secure email sign-in is included. No separate password is required.Freedom Engine Plus
Keep the connected planning workspace month to month.
$12 per monthBuild my connected plan →Free
Build a retirement snapshot and learn the system.
$0Get my Freedom Score →14-day guarantee
Your first monthly or annual purchase is protected by a 14-day money-back guarantee.
14calendar daysRead the guarantee →06 / Free retirement toolBefore you chase yield,
Before you chase yield,
check what it leaves out.
Get the free Yield Trap Quick Check. Use it to review payout coverage, balance-sheet pressure, cash-flow support, dividend history, and why a high yield may be high.
- Two printable page sizes
- Plain-English checklist
- Educational only, no stock picks
06 / Practical tools
Start small. Make one retirement decision clearer today.
NOT READY YET?Keep a paper backup.
Keep a paper backup.
The product is the plan.
These optional worksheets are paper backups for people who want a printable starting point. Freedom Engine is the connected planning product.
01
BEST PLACE TO STARTRetirement Planning Toolkit
A printable 20-page system for checking retirement readiness, mapping income, and spotting yield traps before they become expensive mistakes.
Printable PDFView on Etsy ↗
02
FOR THE NUMBER CRUNCHERRetirement Planning Spreadsheet
An editable 12-sheet Excel dashboard for retirement income, FIRE planning, Social Security comparisons, and portfolio stress tests.
Editable Excel workbookView on Etsy ↗
03
WHEN YOU FEEL STUCK30-Day Retirement Reset
A focused six-page printable that turns one retirement decision you have been avoiding into a practical 90-day action plan.
Printable PDFView on Etsy ↗Educational planning tools only. No promised returns, individualized advice, or automatic investing.