Our Story

Built for Real Retirees — Not Spreadsheet Experts

A free tool that gives you an honest answer in 60 seconds.

Most retirement calculators are built for financial advisors. TYMS.life was built for the people who actually need the answer.

The idea is simple: middle-class retirees should not need a finance degree to know if their income covers their expenses. They should not have to stare at a 40-tab spreadsheet or pay for a consultation just to get a straight answer.

So we built the Retirement Comfort Score — a single number from 0 to 100 that tells you exactly where you stand. Enter your monthly income. Enter your monthly expenses. Get your score. That is it.

No signup required. No data stored. No upsell. Just clarity.

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100% Private

Your numbers never leave your browser. We never see your financial data — ever.

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Instant Results

No waiting, no loading. Your score, surplus, and 15-year projection update as you type.

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Always Free

TYMS.life is and always will be free. We are supported by display advertising — nothing else.

The name TYMS stands for Track Your Money Simple — and that is exactly what we do. No complexity. No jargon. Just a clear picture of your retirement comfort, right now.

We believe every retiree deserves to know their number. We hope TYMS.life gives you a little more peace of mind.

About the Author
Robert Caldwell
Personal Finance Researcher & Retirement Planning Writer

Robert Caldwell is a personal finance researcher and retirement planning writer who has spent the last 15 years studying how middle-class Americans navigate the financial transition into retirement. Drawing on extensive research, interviews with retirees, and his own retirement planning experience, he created TYMS.life to give everyday people a clear picture of where they stand — without the jargon or the consultant's fee.

Important disclosure: Robert Caldwell is not a licensed financial advisor, Certified Financial Planner (CFP), investment advisor, or any other credentialed financial professional. All content published on TYMS.life — including all blog articles, calculator results, and commentary — is for general informational and educational purposes only. Nothing on this site constitutes financial, investment, tax, or legal advice. Always consult a qualified and licensed financial professional before making any retirement, investment, or financial planning decisions.

Know Your Number in 60 Seconds

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