The AI-native retirement planner
Talk your plan into existence — or type.
RetireGlide was designed around current frontier AI — not retrofitted with a chat window. Answer naturally, add screenshots or statements without sharing a password, and get your first forecast in under 3 minutes. AI explains; deterministic code does every calculation.
🔒 Never share a password. Screenshots are deleted after you confirm the results, or automatically within 30 days.
Voice interview
or type“We'd like to retire around 65, but we're not sure what we can safely spend.”
Safe spending range: $6,400–$7,900/month
First forecast in ~3 minutes
Start with the facts you already know.
1,000 simulated futures per run
See a range of modeled outcomes, not a promise.
Numbers are checked against your plan before display.
How it works
Talk it through — or type
Choose a voice or text interview. Answer plain-language questions about your timeline, savings, and goals; you confirm every fact before it enters your plan.
Snap screenshots or upload statements
Take screenshots or upload statement PDFs from your 401(k), IRA, or brokerage. You never share a login or password. Private uploads are deleted after you confirm the results, or automatically within 30 days.
Get your forecast and safe-spending range
See your chance of success across 1,000 simulated futures — and the headline number that matters: how much you can safely spend each month.
A conversation with a checkpoint
Tell me what a good retirement would look like for you.
More time with family, and knowing what we can spend without second-guessing every trip.
Nothing changes your plan until you confirm it.
Meet the voice interview
Planning feels different when you can just say what matters.
Talk naturally about retirement, savings, spending, and the questions on your mind. The interview turns what you say into proposed plan facts, and you approve each one before it is saved. Prefer a keyboard? The same interview works in text.
Free includes one capped first voice interview (up to about 15 minutes). Ongoing voice interviews are Premium. If you upgrade from the interview, it's 3 days free, then $14/month unless you cancel. Voice audio is never stored; transcripts are stored until you delete them.
Designed around the AI
AI-native, not AI-added.
Most planning tools bolted a chat window onto a form-based product. RetireGlide was designed around the intelligence from the start — and around one rule that never changes: it explains, you decide. Deterministic code does every calculation, and nothing enters your plan until you confirm it.
From the first minute
The conversation is the interface.
Your plan starts as a conversation — voice or text — not a stack of forms. Answer plain-language questions about your timeline, savings, and goals, and confirm every fact before it's saved.
Ask, and it acts
An assistant that does, not just chats.
Ask in plain language, and the assistant runs real scenarios — claiming ages, Roth conversions, retiring earlier — through the engine. It proposes first; every number still comes from deterministic code, and nothing applies until you confirm.
Between your visits
Your plan doesn't sit idle.
When something material changes, you get a calm, plain-language briefing — and you can opt into a weekly all-clear when nothing has. It explains what changed; it never tells you to buy, sell, or do anything.
Current models, gated upgrades
Frontier AI, upgraded with proof.
RetireGlide runs on current frontier AI models, and every upgrade must pass our accuracy and compliance checks before it reaches your plan. Better models mean clearer conversation — the math never moves, because it was never the model's job.
Numbers with a paper trail
Our AI explains your plan. It never does the math.
You stay in control of every input. Deterministic code runs every projection and tax calculation, then the numbers in AI answers are checked against your plan.
You control the inputs
AI proposes. You confirm.
Every fact AI proposes enters your plan only after you approve it. Nothing changes your plan until you confirm it.
Code owns the calculation
A deterministic engine does the math.
The engine is versioned, seeded, and reproducible. The same inputs produce the same answer every time.
Numbers need evidence
Every figure is verified.
Figures in AI answers are cross-checked against your plan before display. Verified answers are marked in the product.
Every model upgrade passes the same checks — verification doesn't depend on which AI is talking.
See how we verify AI →The privacy pledge
No credentials, ever
We never ask you to link an account or share a login. Screenshots are all we need — and you choose what to share.
Process, then delete
Your private images are processed for extraction, and you confirm what was found. They are deleted after you confirm the results, or automatically within 30 days. You can watch the deletion happen in your privacy center.
Your data, your rights
Export everything as JSON or delete your whole account, any time, no phone call required.
Built for the decisions that actually matter
“How much can we safely spend?”
Most tools stop at a success percentage. RetireGlide gives you spending guardrails — a monthly range you can actually live by, recalculated as markets move.
“When should we each claim Social Security?”
Compare every claiming-age combination for both spouses, including spousal and survivor benefits, with break-even ages made visual.
“Could healthcare derail us before Medicare?”
Pre-65 marketplace estimates, Medicare premiums, and income-related Medicare adjustment amount (IRMAA) surcharges — modeled year by year.
“What if we retire two years earlier?”
Drag a slider and watch 1,000 futures recompute instantly. Save scenarios side by side: “Retire 62” vs “Retire 65 + downsize.”
“Should we convert to Roth — and how much?”
Explore bracket- and IRMAA-aware conversion schedules, then compare their modeled lifetime tax across scenarios.
“Which accounts should we draw from first?”
Compare taxable-first, tax-deferred-first, and proportional withdrawal orders to see the modeled difference.
A candid comparison
See how we compare — including where others win.
Our comparisons are dated, sourced, and kept current so you can choose the planning approach that fits you.