Calculators run in your browser
Every calculation happens on your device. We have no accounts, no database and nothing to sign up for.
Saved inputs
To save you retyping, each calculator remembers your last inputs in your browser's local storage on this device. We can't see them, and they never leave your device on their own. You can wipe them at any time:
The AI explainer
When you press "Explain my result", the calculator's inputs and results, plus any question you type, are sent to our server and passed to an AI model through Vercel AI Gateway to write the explanation. Nothing is sent unless you press the button. We don't store the text, and we keep only a short-lived, in-memory count per IP address to prevent abuse. Please don't type names, account numbers or other personal details into the question box.
Analytics
We use Ahrefs Web Analytics to count page views. It is cookieless and doesn't track you across sites. Our site is hosted on Vercel, which keeps standard server logs.
Not advice
RetireWise gives educational estimates. It isn't financial, tax or legal advice. Tax figures use 2026 federal rules; check your situation with the IRS, SSA or a qualified adviser.