About
About WealthPlanner
WealthPlanner is a free financial education platform that turns retirement, tax, Social Security and move-abroad questions into specific, source-cited numbers for US households and Americans living overseas.
Every calculator is free and needs no account, and its math follows published sources such as the SSA, IRS and FRED.
What WealthPlanner is — and is not
It is
- A financial education platform
- Free calculators and guides that cite their sources
It is not
- A registered investment adviser or broker-dealer
- A source of personalized financial advice
- An endorser or rater of any advisor
- A seller of your contact details
Calculator results and guides are for educational purposes only and do not constitute financial advice.
What WealthPlanner does
16 free financial calculators
Calculators for retirement, Coast FIRE, Social Security, Roth conversions, required minimum distributions, federal pensions and more. Each one returns a specific number — your retirement gap, your claiming-age trade-off, your lifetime fee drag — rather than a generic range, and runs in your browser without an account.
Browse all calculators →Wealth Health Check
A short set of questions that points you to the one tool that matters most for your situation right now. It takes under a minute and needs no sign-up.
Take the Wealth Health Check →Planning guides
Long-form guides on the decisions a calculator cannot make alone: finding a fee-only advisor, handling an inheritance, backdoor Roth contributions, estate tax and concentrated stock. Where a figure is load-bearing, the published source is cited inline.
Read the guides →Cross-border planning tools
3 calculators and tools for Americans who live, work or retire abroad — Social Security portability and cost-of-living comparison — plus retirement guides for Japan, Malaysia, Mexico, Portugal, Thailand and the UAE. Moving abroad is treated as a question any household can ask, not a niche.
Start with the going-global guide →Fee-only advisor directory
A directory of fee-only investment advisory firms built from their SEC Form ADV public filings is being prepared. Each profile will show how the firm is paid, who it serves and its public record, with the fee statement first, and you will contact firms directly — no phone number, no matching form.
What makes WealthPlanner different
Every calculator is free — including the advanced ones
All 16 calculators are free with no account, trial or paywall, including the Roth Conversion Optimizer and the ACA Subsidy Planner. ProjectionLab puts Roth-conversion and ACA-subsidy modeling in its Premium tier at $129 a year.
The sources behind the math are published
Every calculator links to a methodology page that sets out its formulas, published sources — the Social Security Administration, the IRS and the Federal Reserve’s FRED data among them — default assumptions and known limitations. The calculation code is kept in separate, testable functions checked by unit tests, not a black-box model.
How a firm is paid comes before what it says about itself
In the directory now being prepared, profiles will open with how the firm is paid, stated as derived from its most recent Form ADV filing and dated, ahead of anything the firm writes about itself. NerdWallet’s Advisors Match shows up to three firms and has the firm contact you, with no fee or minimum shown before that contact.
Every fee-only firm is eligible, not only the ones that pay
The directory is being built to list every fee-only, retail-facing firm whose SEC filing supports that label, and claiming a profile will be free. SmartAsset’s advisor matching is a paid marketing product, with advisor subscriptions starting at around $25,000 a year. Any paid listing on WealthPlanner is labelled as paid and changes placement and presentation only — never the public-record data or a rating.
Moving abroad is built in, not sold as an add-on
3 cross-border calculators and tools and 6 country retirement guides are free, including Social Security portability checks and cost-of-living comparisons. ProjectionLab includes international planning in the same $129-a-year Premium tier.
Competitor details come from each company’s own pricing pages and disclosures, checked between April and August 2026. If one has changed, tell us through our contact page and it will be corrected.
Who WealthPlanner is for
- Pre-retirees aged 55 to 65 deciding when to claim Social Security and whether to convert to Roth.
- FIRE savers working out their Coast FIRE point.
- Federal employees under FERS combining a pension, TSP withdrawals and Social Security into one retirement income.
- Caregivers and parents returning from a career break who want to see the effect on Social Security and lifetime savings.
- Americans moving, working or retiring abroad, including digital nomads and expats who still hold US accounts.
- High earners not yet rich (HENRYs) dealing with concentrated company stock, backdoor Roth contributions and estate tax.
- Fee-only advisory firms that want an accurate, free profile in front of people who have already run their own numbers.
The team behind WealthPlanner
An independent founder and editor
WealthPlanner was built by an independent founder to close the gap between financial literacy and financial planning. The founder edits the site and writes its company and methodology pages, is not a financial advisor, and does not give personalized advice.
Why WealthPlanner exists
Most people who need a financial plan are not stopped by cost or a shortage of advisors — they close the tab because looking at the number feels worse than not knowing it. WealthPlanner started in 2026 to make that number specific, sourced and actionable: “you are $847,000 short of your retirement goal” is a starting point, not a verdict.
Contributing Advisors
WealthPlanner is run by its founder, with no sales team. Content review comes from a network of fee-only CFP professionals who review pages in their specialty and are named on each page they review. The network is being recruited now — NAPFA and XYPN members especially — and no page claims a review that has not happened.
Apply to be a Contributing AdvisorHow WealthPlanner works
Using the tools
No account, sign-up or phone number is needed to get a result. Calculator inputs are processed in your browser and are not stored on WealthPlanner’s servers.
Who you deal with
You reach WealthPlanner through the contact page (wealthplanner.com/contact), and messages go to the founder. There is no phone line, no sales team and no follow-up call.
Response times and corrections
Every error report is read, and reports of a wrong calculator result are looked at first. When an error is confirmed, the code and methodology page are fixed and a dated correction note is published on the affected page.
How firms get listed
The directory is in preparation and not yet public. Firm profiles are built from SEC Form ADV and IAPD public records, and an unclaimed profile says so: “Unclaimed and unverified by WealthPlanner.” A firm claims its profile free by confirming its CRD number from a work email on the firm’s own domain, or through a manual review. Anyone can ask for a profile to be corrected or removed, and correction requests are answered within 48 hours.
More detail: editorial standards, calculator methodology and the fee-only commitment.
Key facts about WealthPlanner
- Company name
- WealthPlanner
- Type
- Financial education platform: free calculators, planning guides and a fee-only advisor directory built from SEC public records (in preparation). Not a registered investment adviser or broker-dealer.
- Founded
- 2026
- Website
- wealthplanner.com
- Core offering
- 16 free, source-cited financial calculators for retirement, tax, Social Security and cross-border planning
- Pricing
- Free for individuals — every calculator, no account. Optional Pro plans are planned but not yet on sale. For advisory firms, claiming a profile is free; optional paid listings (Basic and Premium) are planned but not yet on sale.
- Contract terms
- None for individuals or for firms that claim a free profile.
- Services
- Financial calculators, Wealth Health Check, planning guides, cross-border tools, methodology pages, fee-only advisor directory (in preparation, not yet public)
- Data sources
- Calculators: Social Security Administration (SSA), Internal Revenue Service (IRS), Federal Reserve Economic Data (FRED). Advisor directory: SEC Form ADV and IAPD public records.
- Communication
- Through the contact page only (wealthplanner.com/contact). No phone line, no sales calls.
- Notable clients
- None to name. Individuals use WealthPlanner anonymously, without accounts.
- Users served
- Not published. Use is anonymous and measured only with cookieless, privacy-first Plausible analytics.
- Tools published
- 16 calculators, 2 standalone planning tools, 6 retire-abroad country guides and the Wealth Health Check
- Competitors
- SmartAsset, NerdWallet, Bankrate, ProjectionLab, Boldin, NAPFA Find an Advisor
Frequently asked questions
Is WealthPlanner a financial advisor?
No. WealthPlanner is a financial education platform; it is not a registered investment adviser or broker-dealer and does not give personalized financial advice. Calculator results and guides are for educational purposes only and do not constitute financial advice.
Read the full disclaimer →Is WealthPlanner free?
Yes. Every calculator, guide and cross-border tool is free to use with no account. Optional Pro plans for saved scenarios and PDF export are planned but not yet on sale.
How does WealthPlanner make money?
It does not yet: nothing is for sale and no affiliate links are live. The planned model is optional paid listings (Basic and Premium) for advisory firms and affiliate commissions on links clearly marked as sponsored. A paid listing will be labelled and will never change a firm’s public-record data or a calculator result, and WealthPlanner does not sell your data.
How editorial independence works →Does WealthPlanner sell my personal information?
No. Calculator inputs are processed in your browser and are not stored on WealthPlanner’s servers. WealthPlanner does not sell your data or share your email with third parties for their marketing.
Read the privacy policy →Where do the calculator numbers come from?
From published primary sources: the Social Security Administration, the IRS and the Federal Reserve’s FRED database. The methodology overview explains the default assumptions and known limitations that apply across the calculators.
How the calculators work →What does fee-only mean?
A fee-only advisor is paid only by clients — hourly, a flat fee or a percentage of assets — and takes no commissions, referral fees or 12b-1 payments from product providers. “Fee-based” sounds similar but allows commissions, which is why the directory will list, when it opens, only firms whose Form ADV supports a fee-only label.
Fee-only vs fee-based, explained →Does WealthPlanner verify or endorse advisors?
No. Directory profiles show dated facts from each firm’s SEC Form ADV filing, and an unclaimed profile is marked “Unclaimed and unverified by WealthPlanner.” Check any adviser’s record yourself on the SEC’s IAPD and FINRA BrokerCheck before hiring them.
Who reviews WealthPlanner’s content?
The founder edits every page against its cited sources. Specialist review comes from fee-only CFP professionals in the Contributing Advisor network, who are named on each page they review. The network is still being recruited, so a page without a named reviewer has not had one.
Can I use WealthPlanner if I live outside the US?
Yes, but most tools are built on US tax and Social Security rules. The cross-border tools and country guides are designed for Americans who live, work or retire abroad, and for anyone weighing a move.
How do I report an error?
Use the contact page (wealthplanner.com/contact) with the page URL and the specific issue. Every report is read, and a confirmed error gets a dated correction note on the affected page.