About Retire Figures
Free calculators for the decisions of retirement — claiming Social Security, drawing down savings, taking money out before 59½, pension or lump sum, how far you are from financial independence — built so every number can be traced to the rule that produced it.
What this site is
Retire Figures applies the published rules — the Social Security Administration's reduction and credit tables, IRS Notice 2022-6 and the life-expectancy tables of Treas. Reg. §1.401(a)(9)-9, the taxation of benefits under IRC §86, the federal brackets — to the figures you enter, and shows its working. The calculators run entirely in your browser; nothing you type is sent to a server. Every rate, age and threshold comes from a dated data file that names its official source, and each page shows whether that file has had its second independent read yet.
Who maintains it
The site is built and maintained by Tallyvane, an independent developer and publisher who publishes under that name. Tallyvane is not a financial adviser, actuary, CPA or attorney, and the site does not claim professional review it has not had. What it offers instead is traceability: the methodology page spells out exactly which rules are applied, which are simplified and which are left out, and every official worked example is pinned by an automated test so it cannot change unnoticed.
How the numbers are checked
Each data file is read from the primary documents and marked verified only when a second, independent read agrees. A third pass recomputes the agency's own examples — the SSA's $1,000-benefit tables, the IRS's 72(t) examples, Publication 915's worksheets — and tries to make the calculators disagree with them. Errors found are listed on the corrections page rather than quietly fixed. The full rules are in the editorial policy. If you find a figure that disagrees with an official publication, please report it.
What it is not
It is not financial advice and does not know your situation: your health, your spouse's record, your other assets, your state's taxes. A break-even age is arithmetic, not a recommendation on when to claim; a 72(t) schedule is the law's formula, not a judgment on whether you should start one. Treat every result as a planning estimate and confirm it with the SSA, the IRS, your plan or a fee-only adviser before acting on it.
How it is funded
The site is intended to be supported by advertising. Nothing is running yet: there are no ads and no affiliate links on the site today. If either is added it will be disclosed here and in the privacy policy, and neither will affect the calculations or the data sources.
Contact
Email support@retirefigures.com. See the contact page for what to include in a correction report.
Last updated 2026-09-10.