Retire When You Want — Not When You Have To
See exactly how taxes affect your retirement date. Get a personalized plan that could save you $50,000+ in lifetime taxes.
✓Takes 2 minutes. No signup required.
Sound familiar?
You've worked hard for decades. You shouldn't have to become a tax expert to retire.
"I have no idea when I can actually afford to retire"
"I'm terrified of making a mistake that costs me thousands"
"401(k), IRA, Roth, RMD, Social Security... it's overwhelming"
"Every calculator gives me different answers"
"I don't know if I should wait until 67 or retire at 62"
One tool. All the answers.
Everything you need to plan your retirement, all in one place
When Should I Start Social Security?
See your lifetime benefits at 62, 67, and 70. Know exactly when waiting stops paying off.
Should I Convert to Roth?
Find out if converting now saves you $10K or $100K in lifetime taxes.
Which Account Should I Tap First?
Get a clear playbook for your 401(k), IRA, and taxable accounts.
When Can I Really Retire?
Compare retiring at 60, 62, 65, or 67 with full tax impact.
How It Works
Answer a few questions
Share some details about your financial situation — it only takes a few minutes. Your information is confidential, encrypted, and stored securely.
Get your personalized analysis
Our tool calculates your optimal retirement age, Social Security timing, Roth conversion strategy, and withdrawal sequence — all in one integrated model.
See your options
Review your personalized scenarios. Understand the trade-offs. Make confident decisions — or connect with an advisor who's already seen your numbers.
What you'll discover
Get clear insights into your retirement planning options
Your optimal Social Security start date
Could be worth $50,000+ over your lifetime
Roth conversion recommendation
Stop guessing, start knowing
Year-by-year withdrawal plan
A roadmap you can actually follow
Side-by-side retirement scenarios
Compare 60, 62, 65, 67 with real numbers
Imagine knowing exactly when you can retire
"I finally know I won't run out of money"
"I understand my Social Security strategy"
"I have a clear Roth conversion plan"
"I can see my retirement year-by-year"
"I feel confident, not confused"
From overwhelmed to in control. That's the Frank Finly difference.
Why Trust Our Analysis
Built on decades of experience and IRS-accurate calculations
15+ years of retirement planning expertise
Built by professionals who've helped hundreds of families navigate retirement decisions.
IRS-accurate calculations
We use official IRS tables, Social Security Administration formulas, and current tax brackets. No guesswork.
All variables in one model
Unlike generic calculators, we connect Social Security timing + Roth conversions + RMDs + withdrawal sequence. One integrated picture.
Your data stays yours
Bank-level encryption. We never sell your data. We're not selling financial products — we're selling clarity.
Expert Insights
Deep-dive articles from our retirement planning team
Frequently Asked Questions
Is this really free?
Yes. The analysis is completely free. We connect you with advisors who pay us — you don't.
What do you do with my data?
Your information is encrypted and never sold to third parties. We use it only to generate your personalized analysis.
Do I have to talk to an advisor?
No. You get full value from the tool without ever speaking to anyone. Advisor connection is optional and only if you want it.
How accurate is this?
We use official IRS tables, Social Security Administration formulas, and current tax law. See our methodology page for details.
I don't understand tax rules. Will this confuse me?
We explain everything in plain English. No jargon, no acronyms without explanation. You'll understand why, not just what.
What if I make a mistake?
You're not making any decisions here — just modeling scenarios. See consequences before acting. Nothing is irreversible until you actually withdraw funds.
Why should I trust an online tool?
We show our math. You can see exactly how we calculate everything. Plus — we're not selling financial products. We have no incentive to push you toward any particular decision.
Ready to See Your Retirement Options?
Answer a few questions. Get your personalized analysis. No signup required.