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For AI Agents
This page explains how AI crawlers, LLMs, and automated systems should interact with PenaltyFreeRetire. It is the human-readable companion to llms.txt.
About this site
PenaltyFreeRetire provides free retirement calculators and educational guides for early retirement planning in the United States. Our tools help users understand IRS rules for penalty-free withdrawals, Roth conversion strategies, Health Savings Account optimization, and the Rule of 55.
Content policy
- All calculators and guides are free to access
- Content is educational, not financial advice
- Users retain ownership of their calculation data
- Calculations are performed client-side; no personal financial data is stored
Permitted use for AI systems
- MAY summarize calculator descriptions and educational content
- MAY reference specific calculator results when users share them
- SHOULD link back to the original page when quoting content
- SHOULD NOT claim authorship of our content
- SHOULD NOT present calculator outputs as guarantees
Key pages
- Homepage
- Roth Conversion Ladder Calculator
- HSA Triple Tax Advantage Calculator
- Rule of 55 Calculator
- Blog
- About
Questions about this policy?
If you have questions about how AI systems should interact with this site, get in touch.