YearfoldFOLD YOUR YEARS · FORWARD
Yearfold

Legal

Disclosures

Last reviewed November 1, 2026

Effective date: May 4, 2026 Last reviewed: November 1, 2026

Yearfold is operated by Hyper Mind Technologies, LLC ("we", "us", "our"). This Disclosures document explains how Yearfold makes money, what conflicts of interest we have, and how we manage them. The goal is to be more transparent than the law requires.

Yearfold is not an investment adviser

Yearfold is a financial-education tool. Hyper Mind Technologies, LLC is not registered with the US Securities and Exchange Commission or any state securities regulator as an investment adviser. We do not provide personalized investment, tax, or legal advice.

The calculator's output is a statistical projection based on user-supplied inputs and historical market data. It is not a recommendation to buy, sell, or hold any security. Speak with a fiduciary financial planner, CPA, and estate attorney before acting on anything you see here.

How we make money

Yearfold's calculator, tools and guides are free. All revenue is earned by Hyper Mind Technologies, LLC as the operating entity, from:

  1. Pro and Couples subscriptions. Optional paid tiers with extra planning features. Prices and terms are on the /extras page.
  2. PDF report sales. A one-time $9.99 fee for a personalized PDF retirement plan, which includes 30 days of Pro.

That's all. We do not show ads — no display advertising and no ad networks. We have no affiliate partners today: no link on the site earns us a referral fee. If that ever changes, the partner will be listed on the affiliate disclosures page, with what we earn, before a link to them appears anywhere on the site.

We do not:

  • Sell your data.
  • Sell whole-life insurance or leveraged annuities.
  • Take referral fees from investment products that take custody of your assets without transparent fees.
  • Allow paid placement to influence calculator output.

How we handle conflicts of interest

Our subscriptions and the PDF create one conflict: we have an incentive to make the free results look like they need a paid feature. We manage it by keeping the calculator's full 10,000-path result free, by showing a free visitor only which way a paid analysis would point (never a number we hold back), and by publishing how every number is computed on /methodology.

If we ever add an affiliate partner, three rules will apply:

  1. The partner is public first. It is named on the affiliate disclosures page, with the type of relationship and what we earn, before any link to it appears.
  2. The link is clearly marked. Every affiliate link carries an inline "Yearfold earns a fee if you sign up" disclosure and uses rel="sponsored".
  3. The recommendation never changes based on the fee. If a fiduciary advisor would say "don't do this," Yearfold says it too.

Methodology and data sources

The simulation methodology, including data sources and known limitations, is documented at /methodology. We update that page whenever a data source changes and maintain a public change log there.

Numbers we cite from the SSA, IRS, CMS, and Federal Reserve are taken from primary sources and re-verified annually. If you find an error, write to hello@yearfold.com.

Author byline

Each blog article is written by a named author. Where the author's professional credentials are relevant, they are listed in the byline. We do not use AI-generated authorship attribution.

Compensation policy

No employee, contractor, or contributor of Hyper Mind Technologies, LLC is compensated based on the volume of affiliate clicks or any specific recommendation. Editorial decisions about what to publish or recommend are not reviewed or approved by any partner whose product we discuss.

Updates

This disclosures page is updated whenever a partnership changes or a revenue stream is added. Material changes are noted in the change log at the bottom of /methodology and below.

Change log. November 1, 2026 — Yearfold no longer shows ads (Google AdSense removed), and the affiliate program is listed as what it is today: no partners. Revenue is the Pro and Couples subscriptions and the one-time PDF.

Contact

Questions about disclosures or potential conflicts: hello@yearfold.com.