Explore when you could retire. Then talk it through with an AI planning assistant.
Add your income, spending, savings and goals. Retirfy builds your plan in seconds, for free. When you want to dig in, book a live video call with an AI planning assistant that works from your numbers.
Takes a minute. No sign-up or credit card. We never ask for Social Security or account numbers.
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How it works
From your first numbers to a plan you can act on.
Get your free estimate
Answer a few questions: age, savings, pay, saving and spending. See when you can most likely retire, in under a minute.
Build your full plan, free
Add your household, kids and college, home and state. See your freedom milestones and what moves you sooner.
Talk it through live
Book a 30-minute video session. Ask “should I sell my house?” or “what if I retire at 55?” and watch the numbers update as you talk.
A plan for your goal, at any age
Not just “retire at 67”. Retirfy plans for whatever freedom means to you.
Freedom milestones
Coast FI, Barista FI, Lean FI, Regular FI, Chubby FI and Fat FI, with the age you reach each one.
What-ifs on the fly
Change retirement age, spending, savings, returns or where you'll live, and see the effect instantly.
Real decisions
Sell or keep the house, when to claim Social Security, how much to help with college, whether you can retire early.
Singles and couples
Both partners' income, ages, retirement dates and Social Security, planned together.
Your state, your taxes
State and federal tax estimates, including moving to a different state in retirement.
Numbers checked against your plan
Figures come from the planning engine, and what your assistant says is checked against your plan where possible.
Meet your assistants
Pick who you'd like to talk with. Every assistant is an AI that listens and speaks in real time.
Simple pricing
Your estimate and plan are free. Pay only when you want to talk it through live. No subscriptions.
Free plan
- Instant retirement estimate, no sign-up
- Your plan's most likely scenario
- Freedom milestones and projections
- Download or delete your data anytime
Payments are processed securely by Stripe. Your card details never reach Retirfy.
Questions
Is my assistant a real person?
No. Retirfy assistants are AI, powered by Google's Gemini Live for voice and video. They work from your profile and Retirfy's planning engine, and we tell you that up front.
Is this financial advice?
Retirfy is educational planning. Your assistant gives clear recommendations about your plan (when you can retire, how much to save, whether a decision helps or hurts), but it doesn't pick securities, file taxes, or draft legal documents. For those, it tells you exactly what to bring to a professional.
What happens to my information?
Your profile is stored in your account, not shared or sold. We never ask for Social Security, bank or account numbers, and we remove them if you type them. You can download or permanently delete everything from your account page.
How does a session work?
Pick a session (a 15-minute first call, a 30-minute voice or video session, or a 3-session package), choose an assistant, and start the call. The clock only runs while you're connected, and paid time never expires, so if you hang up early, the rest is there whenever you come back. Each purchase is with the assistant you choose, and purchases are non-refundable.
Do I need a camera or microphone?
A microphone lets you talk out loud. You can also type. Your camera is optional and never leaves your device.