Contact us
We read every message. Response time is usually 2–3 business days.
Back to home
Something not adding up in the Roth Conversion Ladder calculator? Curious how the Rule of 55 tool handles your situation? Or maybe the HSA triple tax advantage numbers look off. Drop a note and we'll sort it out.
We built these calculators because we needed them ourselves. So when something breaks — or when you spot an edge case we missed — we want to know.
We read every message. Response time is usually 2–3 business days.
Frequently asked questions
Pick "Bug report" from the subject dropdown and tell us which calculator -- Roth Conversion Ladder, Rule of 55, or HSA triple tax advantage -- plus the numbers you entered and what went wrong.
Yes. We keep a running list of ideas. Select "Feature request" and describe what you would like to see. If it fits the site's focus on penalty-free retirement strategies, we'll add it to the backlog.
Yes. Saved calculator scenarios live in your browser as anonymous session data. We don't store them server-side and we don't associate them with your email or any identity. If you clear your cookies, your saved scenarios disappear.
No. PenaltyFreeRetire is a set of calculators, not a financial advisory service. The tools show projections based on the inputs you provide, but they cannot account for your full financial picture. Talk to a fee-only CFP for advice tailored to your situation.
The math is checked against published IRS rules and standard formulas. That said, tax brackets change, healthcare costs fluctuate, and your own retirement timeline may shift. Treat the output as directional, not exact. We flag the assumptions in each calculator so you know what's behind the estimates.
We don't share your data with anyone. Messages are stored securely and read only by the small team behind PenaltyFreeRetire.