About RetireSmart

RetireSmart is a free, independent retirement planning resource. We build simple calculators and plain-English guides so anyone can get a clear picture of what their retirement could look like — in minutes, with no sign-up.

What we do

Our tools project your retirement savings using standard financial maths: monthly compounding, monthly contributions, an inflation-adjusted view of your future balance, and the widely used 4% safe-withdrawal rule for estimating retirement income. Everything runs in your browser — your numbers are never sent to a server.

Who it's for

Anyone trying to answer the question "am I on track?" without wading through jargon. We cover both UK pensions/ISAs and US 401(k)/IRA/Social Security rules in our guides.

How we fund the site

RetireSmart is supported by display advertising. Ads help keep the calculators free and the guides open to everyone. We do not sell user data, and we have no paid recommendations in our editorial content.

Editorial approach

Our guides are written in plain English, reviewed for accuracy against publicly available rules (HMRC, IRS, SSA, FCA), and updated as legislation changes. We avoid recommending specific products and focus on explaining the principles so you can make informed decisions.

Not financial advice

RetireSmart provides educational information and projections, not personalised financial advice. For decisions about your own money, please speak to a qualified financial adviser regulated in your country.