Your retirement snapshot
Your income, spending, accounts, Social Security, healthcare assumptions, and major decisions organized in one place.
RETIREMENT PLANNING FOR REAL LIFEGet organized.
● FALL RETIREMENT CHECK-IN Organize your plan before year-end
Get organized.
See your clearest path forward.
For $99 a year, bring your income, taxes, healthcare, Social Security, spending, investments, and major decisions into one private retirement-planning workspace.
Educational planning software. No brokerage connection, automatic trades, or individualized advice.Not more retirement information.
A working plan you can return to.
Enter what you know, improve your assumptions over time, and use one connected view to prepare better questions and decisions.
Your next priority
A plain-English view of what looks strong, what may need attention, and which decision to examine next.
Your connected scenarios
A way to compare how changes to taxes, Roth conversions, Social Security timing, healthcare, withdrawals, and cash reserves can affect the same plan.
Your private working plan
A saved workspace you can revisit as balances, goals, laws, and life change.
THE REAL PROBLEM
A folder full of calculators is not a retirement plan.
One tool estimates Social Security. Another models a Roth conversion. A spreadsheet tracks spending. Your brokerage shows investments. None of them tells you what happens when one decision changes the others.
That fragmentation creates a dangerous feeling: lots of information, but no clear next move.
FROM“Am I missing something?”
→Scattered accounts, disconnected calculators, and another browser tab.
TO“I know what to examine next.”
One private plan that connects the decisions and shows its assumptions.
Retirement is not one number.
It is a chain of decisions.
Freedom Engine brings the chain into one workspace so you can test assumptions before acting.
- 01Retirement income and monthly spending
- 02Roth conversions and future tax pressure
- 03Social Security timing and family benefits
- 04Healthcare costs before and after Medicare
- 05Portfolio income, sequence risk, and cash reserves
- 06Housing, location, family, and legacy decisions
One system for the questions that keep multiplying.
Freedom Score
See where your plan looks strong and where the next decision may need attention.
Retirement paycheck
Map the income sources you expect to rely on against the life you want to fund.
Tax-window planning
Explore Roth-conversion years, taxable-income ceilings, and connected tradeoffs.
Healthcare bridge
Plan for the years before Medicare and the costs that can change afterward.
Decision engines
Compare Social Security, Rule of 55, SEPP, housing, location, and other real-life choices.
Private workspace
Save your plan, update assumptions, and return when life or the rules change.
THIS IS FOR YOU IF
You want clarity without pretending retirement is simple.
- You are planning retirement in the United States and the decisions are getting real.
- You want to understand tradeoffs before talking with a professional.
- You prefer a connected plan over investment hype.
- You will revisit assumptions as life changes.
SKIP IT IF
You want a shortcut, signal, or promise.
- You want someone to pick stocks or trade for you.
- You expect guaranteed returns or a perfect forecast.
- You want individualized tax, legal, or investment advice.
- You will not enter or review your own assumptions.
START WITH THE WHOLE PLAN
Compare plans and start securely →First purchase includes a 14-day money-back guarantee. Stripe shows the full price and applicable tax before payment. Read the terms.Your next retirement decision deserves more than another isolated calculator.
Choose monthly flexibility or annual value. Both include the complete Freedom Engine Plus workspace.
Questions before you start.
Does RetireDividend manage my investments?+
No. Freedom Engine is educational planning software. It does not connect to a brokerage, place trades, or provide individualized financial, tax, legal, or investment advice.
Do I need to know every number before I start?+
No. Start with what you know, use reasonable estimates, and improve the plan as you gather better information.
Is there a free option?+
Yes. Build a free retirement snapshot and Freedom Score before deciding whether the full planning workspace is useful for you.
How does membership work?+
Choose $12 per month or $99 per year. Both plans renew until canceled and include the same Freedom Engine Plus access.
What is the guarantee?+
Your first monthly or annual purchase includes a 14-day money-back guarantee. The complete terms are available before checkout.
How do I sign in?+
Freedom Engine emails a secure sign-in link. No separate password is required.