ABOUT
Built by one person, with citations.
Yearfold is an independent retirement calculator. No VC funding, no affiliate-funnel agenda, no hidden upsell. Below: who built it, why, and what we deliberately won’t do.
Senior technology executive with 30+ years of progressive leadership designing, implementing, and optimizing mission-critical cloud and AI solutions for commercial enterprises and government agencies.
Why Yearfold exists
The retirement-calculator market is split between toy single-input tools (Bankrate, NerdWallet — fine for a rough sanity check) and enterprise software priced out of normal reach (RightCapital at $999/yr, Empower requires a 0.89% AUM relationship). The middle is underserved. Yearfold is the middle: the math is professional-grade, the price is free, and the family-aware modelling — couples, dependents, joint Social Security claim optimisation — is the differentiator.
What we won’t do
- We don't link to your bank or brokerage — your data stays in your browser.
- We don't recommend specific funds, ETFs, or advisors.
- We don't sell to financial advisors who pay for leads.
Our methodology
Every assumption Yearfold makes — from the 1928–2025 historical bootstrap to the 2026 IRMAA brackets — is documented and cited on the methodology page. If you find a number that’s wrong or a 2026 rule we missed, tell us — we update on a known cadence (SSA in October, IRS in November, Medicare in January).
Editorial review
Yearfold takes Google’s YMYL (“Your Money or Your Life”) standards seriously. Every page that cites a tax bracket, Social Security rule, or Medicare premium gets reviewed against the primary source on the cadence above, with the reviewer name and last-reviewed date stamped on the page.
Status: v1 content is reviewed by the founder against primary sources. We’re contracting a credentialed CFP® reviewer before launch to sign off on every methodology change. Until then, finance pages render “Editorial review pending” rather than borrow credentials we don’t have.
If you’re a fee-only CFP, CFA, or tax attorney interested in the reviewer role, write to hello@yearfold.com.
Contact
Questions or feedback? Email hello@yearfold.com.