Ranked chart · Finance & Accounting

Best Retirement Planning Software in 2026

Planning for retirement means considering how income, savings and withdrawals may fit together over time. Compared on income projection, savings growth projection, withdrawal planning and scenario analysis, these tools offer features to assess against the questions you want to explore. Social Security and tax modeling add further dimensions, and account synchronization may matter if you want to use linked financial…

26 appsSorted 25 Oct 2026How we rank

18.0

Boldin

Boldin is a financial planning platform for building a household plan around resources, values, goals and priorities.

Free planAndroidiOSWeb

From $168 a year

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28.0

ProjectionLab

ProjectionLab is a financial planning tool for modeling personal financial and retirement scenarios.

Free planAndroidiOSWeb

From $129 a year

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37.6

MaxiFi

MaxiFi builds a lifetime financial plan and estimates sustainable annual spending from income, assets, taxes, Social Security, and other inputs.

AndroidiOSWeb

From $149 a year

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4
Retirement Budget Calculator
Retirement Budget Calculator (RBC) is a web-based tool for estimating retirement budgets, cash flow, taxes, withdrawal strategies, Roth conversions,…
Free planWeb
7.3From $95 a year
Visit
5
Retireator
Retireator is a free, open-source retirement simulator written in Microsoft Excel, available on the web and Windows.
Free planOpen sourceWebWindows
7.2Free plan
Visit
6
driftcurve
driftcurve is a free, open-source retirement planning engine for modeling household finances and exploring retirement outcomes.
Free planOpen sourceWebAPISelf-hosted
7.1Free plan
Visit
7
Flexible Retirement Planner
Flexible Retirement Planner uses Monte Carlo simulation to model retirement outcomes and report a probability of success.
Free planWebLinuxmacOSWindows
7.1Free plan
Visit
8
Scenarios
Scenarios is a web-based financial modelling tool for exploring retirement projections and the long-term effects of financial assumptions.
Free planWeb
6.6From £72 a year
Visit
9
RetireePlan
RetireePlan is a free, self-hosted retirement planning app built for Canadians.
Free planWebAPILinuxmacOS
6.4Free plan
Visit
10
RetireSecure
RetireSecure is a free web-based simulator for planning retirement cash flow, designed primarily for UK investors.
Free planWeb
6.4Free plan
Visit
11
SquirrelPlan
SquirrelPlan is a free, open-source tool for planning and visualizing financial projections.
Free planWebSelf-hosted
6.4Free plan
Visit
12
Covisum Income InSight
Covisum Income InSight is a web-based financial planning platform for advisors serving mass-affluent and affluent clients in retirement or retirement transition.
Web
6.3From $1,400 a year
Visit
13
Income Lab
Income Lab is web-based retirement income planning software for financial advisors.
Web
6.3From $80 a month
Visit
14
IncomePro
IncomePro is web software for financial advisors creating income allocation plans, retirement projections, and client reports.
Web
6.2From $99 a month
Visit
15
WealthTrace
Web
6.2From $229 a year
Visit
16
RetirementView
RetirementView is desktop software from Torrid Technologies, Inc.
macOSWindows
6.1From $899 a year
Visit
17
FI Calc
FI Calc is a free web calculator for examining retirement plans and withdrawal strategies using historical data.
Free planWeb
6.0Free plan
Visit
18
Fidelity Planning & Guidance Center
Fidelity Planning & Guidance Center is a free web tool for reviewing retirement readiness, investment strategies, and possible next steps.
Free planWeb
6.0Free plan
Visit
19
FIRECalc
FIRECalc is a free web calculator for assessing whether savings and planned spending could sustain retirement under historical market conditions.
Free planWeb
6.0Free plan
Visit
20
MoneyHelper Retirement Budget Planner
MoneyHelper Retirement Budget Planner is a free web tool for estimating retirement costs and the income that may be needed.
Free planWeb
5.9Free plan
Visit
21
Moneysmart Retirement Planner
Moneysmart Retirement Planner is a free web calculator that estimates retirement income and helps users check progress toward retirement goals.
Free planWeb
5.9Free plan
Visit
22
RetireGolden
RetireGolden is a free web-based educational calculator for modeling retirement savings, income, spending, withdrawals, and taxes over time.
Free planWeb
5.8Free plan
Visit
23
Retiris
Retiris offers retirement calculators for savers in the UK and US.
Free planWeb
5.8Free plan
Visit
24
The Complete Retirement Planner
The Complete Retirement Planner creates individualized year-by-year financial forecasts for planning before and after retirement.
macOSWindows
5.8$89.99 one-time
Visit
25
T. Rowe Price Retirement Income Calculator
The T. Rowe Price Retirement Income Calculator is a free web tool for exploring retirement readiness.
Web
5.7
Visit