Managing Your Subscription

The practical side — starting, paying for, and (if you ever need to) cancelling RetireRange, plus how the referral program works. For the full pricing, see the pricing page.

Getting the most from your subscription. RetireRange earns its keep when you treat it as a living plan, not a one-time check. The check-in routine is the habit that makes it worth keeping.

Creating your account

Signing up asks for an email address and a password. Before the form will submit you’ll need to tick a box confirming you’ve read and agree to the Terms of Use and the Privacy Policy.

When the Terms or Privacy Policy change

Within a day of a new version taking effect, an announcement pops up the next time you open the planner. It names the document and its new effective date and links to it. You can find it again later under Announcements, the bell icon in the planner’s top bar. You aren’t asked to accept again: continuing to use RetireRange on or after the effective date means you accept the update. For material changes we’ll also email you. Questions? Email support@retirerange.com.

Your free trial

Every account starts with a 30-day free trial with full access to everything. You won’t be charged until the trial ends, and if you cancel before then, you pay nothing — and you keep using RetireRange, with all your plans, until the trial’s last day. Think of the trial as your risk-free window — the full product for 30 days, and you’re only charged if you choose to continue.

Plans and payment

When your trial converts, you choose:

Monthly — $20/month, or
Annual — $200/year (two months free).

Both plans include every feature — there are no tiers or add-ons. Payments are handled securely by Stripe; RetireRange never sees your full card details.

Cancelling

You can cancel anytime from your account page. There are no cancellation fees, and cancelling stops the renewal — it doesn’t end your access. You keep the planner and all your saved plans through the end of the period you’ve already paid for, with no abrupt cut-off.

How to cancel. On your account page’s Membership card, click Cancel membership (next to Change plan). A confirmation panel — "Cancel your membership?" — opens right there, beneath the buttons:

Yes, cancel my membership cancels it. The page reloads with a notice: "Your {plan} has been cancelled. It will not renew, and your access continues until {date}."
Keep my membership closes the panel; nothing changes.

The success notice appears only once the membership really won’t renew. If the cancellation doesn’t go through, you’ll see: "We could not cancel your membership, and nothing has changed. Please try again, or contact support if it keeps happening." Your membership is exactly as it was, and when you contact support, we can find the payment provider’s own error message.

After you cancel, the card’s status reads Cancelled, and the Renews row becomes Access ends, showing your last day.

Cancelling during your free trial works the same way. You won’t be charged, the trial won’t convert, and your access and saved plans continue until the trial’s end date — the date on the Access ends row. Cancelling early doesn’t cost you the rest of the trial.

Viewing your invoices

The Billing history tab of your account page lists each payment, with an Invoice link on every row. An invoice opens as a standalone document, without the site header or navigation. It ends with a ← Back to billing history link, just above Print, that returns you to the tab. The back link doesn’t appear on a printed or PDF-saved copy.

A $0.00 row is normal. The usual case is the first row of your free trial — no card is charged, so the amount is $0.00. The invoice’s line item and Subtotal always show the plan’s full list price (the amount that was billed before whatever covered it).

Getting to your account from the planner

The calculator’s top bar has a My Account link — a person-in-a-circle icon — immediately left of Guide. On narrow screens (roughly under 1024px) it moves into the ☰ menu with the other secondary actions, above Guide. It opens your account page in the same tab, unlike Guide, which opens in a new one — so it’s the fastest way back to billing, referrals, or your profile without leaving the planner to find the URL. It points at whatever page the site has configured as the account page; if you don’t see the button at all, the site doesn’t have one configured yet.

Deleting your account

If you want your account and planning data removed altogether, email support@retirerange.com. We act on it right away: your subscription is cancelled, so you won’t be charged again.

Cancelling doesn’t cut your access short. You keep using RetireRange until the end of the period you’ve already paid for, and that’s your time to download anything you want to keep. The account dashboard shows a callout prompting you to export. If your paid period ends tomorrow, so does your access, so export first. When your access ends, a 30-day countdown to deletion starts. Your data is kept but out of reach during those 30 days, and resubscribing brings it back. Use Exports for PDF, spreadsheet, or slides, or grab the full JSON backup with Download backup on the planner’s Household tab.

What’s in the backup. Everything that’s yours: saved scenarios, named strategies, your baseline, your settings, and your optimizer job history — every optimization run you’ve saved, in full, with nothing summarized or trimmed. That covers both kinds of run: the ones that finish in the browser while you wait, and the queued background runs that email you when they’re done (which is the default for anything large).

What comes back when you re-import it. Your planning inputs — scenarios, strategies, baseline, settings. The export exists so you keep a full record; the import exists to get you planning again.

At the end of the 30 days your scenarios, strategies, optimizer runs, and the personal details tied to them are permanently deleted. That step can’t be undone. Billing and referral records are kept, because they’re required for tax record-keeping and because referral entries are tied to other members’ credits.

Change your mind? Resubscribing before the deletion runs cancels it and restores your data exactly as you left it. See the Privacy Policy for the full retention schedule.

Your data

No bank or brokerage connections — you enter the numbers you choose, and we don’t sell your data. The one exception is the optional AI summary, which sends an anonymized scenario snapshot to generate the write-up. See the Privacy Policy.

Referrals — you both get a credit

Every subscriber gets a personal referral link. When a friend subscribes through your link, you and your friend each earn a credit worth half of their first payment — $10 each if they start on the monthly plan, or $100 each if they go annual.

Where to Find It

Go to your account page, where you’ll see your current credit balance and a ready-to-share referral link. Sharing the link is how it’s redeemed — your friend clicks it, and the credit is applied automatically when they subscribe. A friend can also type your code into the optional Referral code box on the registration form instead of using the link.

Sharing in person. Under the share link and Copy link button on your Referral credit card, Show QR code displays a QR code that opens your personal link when scanned with a phone camera. Download QR code (PNG) saves it for printing on a flyer or a slide, and Hide QR code collapses it again. It carries the same code, so the credit rules don’t change.

When Credits Post

Because every new member starts with a 30-day free trial, a referral credit becomes usable once your friend’s first payment goes through, plus a few days for the payment to settle. (That keeps referrals tied to people who actually become paying subscribers.) Until then the credit is pending — you can see it, but it isn’t part of your balance and can’t be applied to a renewal yet. If your friend cancels before paying, or their first payment is refunded or disputed during that short wait, the pending credit is voided.

The trial’s $0 signup isn’t the "first payment" — the clock only starts on the first charge with an amount above zero, which is the one that lands when the trial ends. That applies to both credits: yours waits on your friend’s first payment, and your friend’s welcome credit waits on their own first payment, never yours. If you’re a referee still inside your own free trial, your Referral credit card spells this out: "Your free trial runs to {date} at no charge, so this clears a few days after your own first payment — the one that comes when the trial ends." Once your trial converts, the card shows the standard pending-credit wording.

If you cancel during your trial, there’s no first payment coming, so a pending welcome credit can’t clear — and the card says so: "Your subscription is set to end on {date} and will not renew, so there is no first payment coming to clear it against." The credit isn’t earned unless the subscription converts.

You’ll get two emails along the way, and only the second means you have credit:

"Someone signed up with your referral link" is a heads-up, not a credit notice. It says plainly that nothing has been added to your balance yet, that a free trial isn’t a payment, and that you’d earn the credit a few days after your friend’s first payment goes through.
"Your referral credit is ready" is the one that means the credit has posted. It shows the amount and your new balance.

Neither email says who the friend is.

Seeing Where Your Credit Came From

Your account page has a Referrals tab beside Overview and Billing history. It’s the answer to "how do I know I actually got credit?"

Summary strip. Available balance (applied automatically at your next renewal), Pending (not spendable yet — shown only when you have some), Total earned, Applied to renewals, and Reversed (credit removed later — shown only if something was clawed back or forfeited). These always describe your whole account.
Activity list. One dated line per credit event, with amounts signed — credit used shows as, for example, -$4.00. Lines read things like "Credit for a friend who joined with your link", "Welcome credit for joining with a referral link", and "Applied to your subscription renewal".
Pending and Not earned. A credit that isn’t spendable yet carries a Pending badge and one of two explanations: it clears after your friend’s first payment (a trial counts once it converts), or it clears once the hold period ends. When it clears, the badge simply disappears from that same line. A credit that never became spendable is badged Not earned, because the subscription it depended on didn’t continue.
Paging. The list shows 25 events per page, with Newer and Older links and a "Showing 1 to 25 of 63" count. The page number is in the address (?rc_page=), so you can bookmark a page.
Nothing yet? You’ll see a note to share your referral link (it’s still on the Overview tab) and that credit will show up here once someone subscribes through it. The share link and QR code did not move.

The tab never shows who referred you or who you referred — no names, no emails, no count of individuals. That’s deliberate, not a gap: referrals are anonymous, and the Terms of Use promise it.

How Credits Apply

We apply at most half of any single renewal as credit, so your credits don’t vanish in one big free month — they stretch out. Refer five friends on the monthly plan and you get about five months at half price.

About three days before an auto-renewing renewal, we put the credit on your account and it comes off that renewal’s charge; your card is charged only the difference. Your balance drops then, not on the renewal date, and your card receipt shows the full price with a credit line. If you’ve turned off auto-renew, no credit is applied and it stays in your balance.

Reading the Membership card. Your account page’s Membership card always shows the plan’s full list price on the Renewal price row — that’s your plan’s price, not a preview of what you’ll actually be charged, and it stays there even after a credited renewal. A muted line underneath explains what your credit will do to the next charge, in one of three forms: with spendable credit, "Your $10.00 referral credit comes off this renewal, so the charge should be about $10.00"; with a balance bigger than the half-price cap, "Referral credit takes $10.00 off this renewal — at most half the price — so the charge should be about $10.00. The remaining $20.00 stays on your balance for later renewals"; and with only pending credit, "Your $10.00 of pending referral credit is not applied yet, so this renewal is at the full price. It comes off a later renewal once it clears." No line appears if you have neither kind of credit.

If You Cancel or Your Access Ends

Cancelling doesn’t forfeit anything by itself — your credit stays usable through the period you’ve paid for. When your access actually ends, your referral credit is forfeited, including pending credit for friends who haven’t paid yet. Resubscribe within 30 days and it comes back (pending credit resumes too, unless that friend cancelled in the meantime). After 30 days it’s gone for good.

Separately, if a friend cancels or is refunded within 30 days of their first payment, credit you earned from them may be reversed.

For the full details and program rules, see the referral program page.