Freedom251 › Retirement Planning Software
RetireGolden
What RetireGolden is
RetireGolden is a free, browser-based calculator for exploring retirement savings, income, spending, withdrawals, and taxes over time. It models account balances and retirement cash flows so users can compare scenarios, including Social Security, Roth conversions, healthcare costs, and federal and state taxes. Risk tools include Monte Carlo market paths, with optional variation in longevity and long-term-care shocks. Users can import a broker CSV, ProjectionLab export, spreadsheet, or prior-year tax return; imports are parsed on-device. There are no accounts or server-side plan storage, so entered data remains in the browser on the device. Plans can be backed up as JSON and imported on another device, but cannot be recovered if browser data is cleared or a device is changed. Tax estimates are for planning rather than filing, and Monte Carlo outputs describe a simplified model rather than predicting an individual’s future. RetireGolden is free and open-source under AGPL-3.0. It is intended to help users compare choices and understand trade-offs, not to provide personalized financial, tax, or legal advice. Because there is no server copy of a plan, support cannot inspect it unless users choose to share a report or details.
Who it suits
It suits people who want to model retirement choices and compare scenarios in a browser while keeping plan data on their device. It is not intended as personalized financial, tax, or legal advice.
What it does well
- Models income, savings, spending, withdrawals, and taxes.
- Includes Social Security and Roth conversion modeling.
- Imports several file types with on-device parsing.
- Plans can be backed up as JSON.
What to know first
- Plans cannot be recovered after browser data is cleared.
- Tax estimates are for planning, not filing.
- Monte Carlo outputs use a simplified model.
- Support cannot inspect a plan unless details are shared.
Limits
The free plan is browser-only, with no accounts or server-side plan storage. Tax estimates are for planning rather than filing, and Monte Carlo results describe a simplified model.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Free and open-source software · No accounts · Browser-only storage | Free |
As retiregolden.app lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Open https://retiregolden.app/ in a web browser.
- Enter retirement planning information or import a broker CSV, ProjectionLab export, spreadsheet, or prior-year tax return.
- Model savings, income, spending, withdrawals, taxes, and risk scenarios.
- Export a JSON backup to keep a copy of a plan or move it to another device.
Verdict
RetireGolden provides a free way to model retirement scenarios while keeping data in the browser. Users should maintain their own backups and treat estimates as planning aids rather than individualized advice.
Questions
Is RetireGolden free?
Yes. Its free plan costs nothing, and the software is open-source under AGPL-3.0.
What does RetireGolden model?
It models account balances, income, spending, withdrawals, retirement cash flows, Social Security, Roth conversions, healthcare costs, and federal and state taxes.
Can I import existing financial information?
Yes. It supports broker CSVs, ProjectionLab exports, spreadsheets, and prior-year tax returns, parsed on-device.
Where are my plans stored?
Entered data stays in the browser on the device. Plans can be exported as JSON and imported on another device.
Can RetireGolden recover a plan if I change devices or clear browser data?
No. It has no server-side plan storage and cannot recover plans after browser data is cleared or a device is changed.
Is it available on mobile or desktop apps?
The listed platform is web.
Facts from RetireGolden's own pages
- 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. · retiregolden.app, 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. · retiregolden.app, 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. · retiregolden.app, 7 Oct 2026
- License
- The disclaimer identifies RetireGolden as free and open-source software licensed under AGPL-3.0. · retiregolden.app, 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. · retiregolden.app, 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. · retiregolden.app, 7 Oct 2026
- Projections
- It models account balances, income, spending, withdrawals, and retirement cash flows to help compare scenarios. · retiregolden.app, 7 Oct 2026
- Purpose
- RetireGolden is an educational retirement-planning calculator for modeling savings, income, spending, and taxes over time. · retiregolden.app, 7 Oct 2026
- Risk analysis
- Risk tools include Monte Carlo market paths, with optional longevity variation and long-term-care shock. · retiregolden.app, 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. · retiregolden.app, 7 Oct 2026
- Tax and retirement features
- It models Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision. · retiregolden.app, 7 Oct 2026
Where RetireGolden stands on Freedom251
- Retirement Planning Software#12 of 26