RetireGolden
RetireGolden is a free web-based educational calculator for modeling retirement savings, income, spending, withdrawals, and taxes over time.
What RetireGolden is
RetireGolden is a free web-based educational calculator for modeling retirement savings, income, spending, withdrawals, and taxes over time. Users can compare scenarios involving account balances and retirement cash flows, including Social Security, Roth conversions, healthcare costs, and federal and state taxes. Risk analysis includes Monte Carlo market paths, with optional changes to longevity and long-term-care shocks. The app can import a broker CSV, ProjectionLab export, spreadsheet, or prior-year tax return, with imports parsed on-device. It has no accounts or server-side plan storage, so entered data remains in the browser on the user's device. Plans can be saved as JSON backups and imported elsewhere, but RetireGolden cannot restore them if browser data is cleared or the device changes. Tax estimates are for planning, not tax-return filing, and Monte Carlo results describe a simplified model rather than an individual future. The free, open-source software is licensed under AGPL-3.0 and is intended to help users compare choices, not provide personalized financial, tax, or legal advice.
Good
- Models income, spending, savings, and withdrawals.
- Includes Social Security and federal and state tax estimates.
- Imports several file types with on-device parsing.
- Plans can be exported as JSON backups.
Watch out
- Plans cannot be recovered after browser data is cleared.
- Tax estimates are not for filing returns.
- No account synchronization is available.
Who it suits
RetireGolden suits people who want to model retirement choices and compare scenarios in a browser. It is for educational planning, not personalized financial, tax, or legal advice.
Verdict
RetireGolden offers retirement scenario and risk modeling without account-based plan storage. Users need to manage their own backups and treat its projections as planning estimates, not individualized advice.
Plans and prices
From RetireGolden's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | No accounts · Browser-only storage · Free and open-source software |
The facts
Each one read from RetireGolden's own pages, with the date it was checked.
What it does
- Backups
- Plans can be exported as JSON backups and imported on another device; RetireGolden cannot recover plans after browser data is cleared or a device is changed.checked 7 Oct 2026
- Import options
- The home page says users can import a broker CSV, a ProjectionLab export, a spreadsheet, or a prior-year tax return, parsed on-device.checked 7 Oct 2026
- Intended use
- The product is intended to help users compare choices and understand trade-offs, not to provide personalized financial, tax, or legal advice.checked 7 Oct 2026
- License
- The disclaimer identifies RetireGolden as free and open-source software licensed under AGPL-3.0.checked 7 Oct 2026
- Limits
- Tax estimates are for planning rather than tax-return filing, and Monte Carlo results are statistics about a simplified model rather than predictions about an individual's life.checked 7 Oct 2026
- Privacy
- The product has no accounts or server-side plan storage; entered data stays in the user's browser on the device.checked 7 Oct 2026
- Projections
- It models account balances, income, spending, withdrawals, and retirement cash flows to help compare scenarios.checked 7 Oct 2026
- Purpose
- RetireGolden is an educational retirement-planning calculator for modeling savings, income, spending, and taxes over time.checked 7 Oct 2026
- Risk analysis
- Risk tools include Monte Carlo market paths, with optional longevity variation and long-term-care shock.checked 7 Oct 2026
- Support
- Because there is no server copy of a plan, support cannot inspect it unless the user chooses to share a report or details.checked 7 Oct 2026
- Tax and retirement features
- It models Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision.checked 7 Oct 2026
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