About Tweed
Tweed is a set of free retirement and investing calculators and guides. The calculators need no sign-up and carry no ads. Two plans are paid: the ten-year Roth conversion plan, where this year's conversion is free to calculate, and the Social Security claiming plan, where the best filing age is free.
Why Tweed exists
Learn the return rate for each calculation. When a projection depends on a return rate, the rate is an input on the page that you can see and change.
Who writes Tweed
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
Nicolas Straut is a personal finance writer, former Forbes contributor and This Week in Fintech writer. He has written about money for about ten years, including for fintech companies such as NorthOne and Fundera, and writes the guides and calculators on Tweed.
He isn't a financial advisor or a CPA. Each page shows the primary source and the arithmetic. For a decision that involves your whole retirement, talk to a financial advisor.
Where the numbers come from
Every factor, limit, bracket, and threshold on this site is checked against the IRS, the SSA, or CMS. Each figure carries the year it applies to and the date it was last checked.
When a calculation simplifies a rule, the page says so. When a rule is still unsettled, the page says that too.
How Tweed handles your numbers
Tweed only publishes a figure it can trace to a primary document.
Your result shows on the page. Tweed doesn't ask for your email first.
A calculator shows what the math says for the inputs you give it. It can't predict markets, health costs, or changes to tax law.
When the numbers change
The IRS, the SSA, and CMS publish the next year's figures each fall.
Every page is updated when the next year's limits come out, usually in October or November. Each page shows the date it was last updated.
Corrections
Found a wrong number? Send it through the contact form at the end of this page.
Each correction gets a dated note at the bottom of the page it was made on.
Privacy policies
The calculators run in your browser. The ages, balances, and figures you type into them are never sent to Tweed, to Google, or to anyone else. No server receives them.
Signing in is optional. Tweed has a signed-in area for tracking retirement progress between visits. The figures you choose to save there are kept on a server so they are there next time. Tweed never asks for or stores a full account number, and it doesn't connect to your bank or broker.
Tweed uses Google Analytics to count page visits. It records which page you looked at, roughly where you are, your browser, and which site sent you. It never sees what you type into a calculator.
Tweed honors Global Privacy Control automatically, and a tracker blocker or Google's opt-out add-on stops it too. The privacy policy has the full detail, including everything an account holds.
How Tweed makes money
Tweed makes money two ways: paid plans and affiliate links. The ten-year Roth conversion plan and the Social Security claiming plan are the paid products on the site, and the pricing page has their prices. Some guides link to products, and Tweed may earn a commission if you sign up through one of those links.
Affiliate links don't change which products get mentioned or the numbers the calculators produce. Any page with one of those links says so at the top.
Disclaimer
Tweed gives you educational estimates. It is not financial, tax, or investment advice. Tweed doesn't know your health, your family, your pension, or the rest of your situation.
Use the calculators to see how the rules work and what changes when you change an input. Take any decision that matters to a professional who knows your full situation.
Contact Tweed
Found a mistake or have a question? Use the form below.