About Retirement Decoded
Retirement Decoded is a YouTube channel that explains retirement money in plain English, through real-numbers stories like “Is $500K enough to retire?” and “Living on Social Security alone.” These free tools let you run the same math with your own numbers.
Disclaimer
Everything on this site is for education only. It is not financial, tax, or legal advice, and it doesn’t know your full situation. Our calculators give simple estimates in today’s dollars. They leave out taxes, market ups and downs, and many personal details. Please talk with a fee-only financial planner or a Social Security representative before making big decisions.
Stories in our videos (like Barbara and Ray) are illustrative households, not real people.
Privacy
The numbers you type into our calculators stay in your web browser. They are not sent to us or stored.
We don’t ask for your email or any personal details to use the calculators.
We count visits in a privacy-friendly way, including which video sent a visitor, so we know which videos are helpful. We don’t use advertising trackers. We use Cloudflare Web Analytics, which doesn’t use cookies or track you across other sites.
Partner links
Some links to planning tools may be affiliate links. If you sign up through one, we may earn a commission at no extra cost to you. We only list tools we think are worth a look, and our calculators are free either way.