Best Retirement Planning Software in 2026
Updated
In short: Boldin is ranked #1 of 26 as of 7 October 2026, ahead of Flexible Retirement Planner and ProjectionLab. The best-ranked option with a free plan is Flexible Retirement Planner. The lowest first paid tier on this page is Retirement Budget Calculator at $7.92/mo.
Planning for retirement often means weighing future income against savings, taxes, and the timing of withdrawals. These tools can help you explore those questions through income and savings growth projections, scenario analysis, Social Security modeling, tax modeling, and withdrawal planning. Account synchronization, free plans, and paid-from prices are additional points to compare. Boldin, Flexible Retirement Planner, and ProjectionLab are among the entries. Consider which projections you want to work through, whether comparing scenarios is important to you, and whether connecting accounts would make the planning process more useful.
26 retirement planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
13 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | BoldinWeb · Android · iPhone | Three bars | — | 3 of 6 | $12/mo | 6.6 | |
| 2 | Flexible Retirement PlannerWeb · Windows · Mac · Linux | Three bars | — | 4 of 6 | Free | 6.6 | |
| 3 | ProjectionLabWeb · Android · iPhone · API | Three bars | — | 3 of 6 | $10.75/mo | 6.6 | |
| 4 | RetireePlanWeb · Windows · Mac · Linux · Self-hosted · API | Three bars | — | 4 of 6 | Free | 6.6 | |
| 5 | driftcurveWeb · Self-hosted · API | Two bars | — | 1 of 6 | Free | 6.4 | |
| 6 | FI CalcWeb | Two bars | — | 1 of 6 | Free | 6.4 | |
| 7 | Fidelity Planning & Guidance CenterWeb | Two bars | — | 1 of 6 | Free | 6.4 | |
| 8 | RetireatorWeb · Windows | Two bars | — | 2 of 6 | Free | 6.4 | |
| 9 | Retirement Budget CalculatorWeb | Two bars | — | 1 of 6 | $7.92/mo | 6.4 | |
| 10 | ScenariosWeb | Two bars | — | 1 of 6 | £60.50/mo | 6.4 | |
| 11 | T. Rowe Price Retirement Income CalculatorWeb | One bar | — | — | 1 of 6 | — | 5.5 |
| 12 | MaxiFiWeb · Windows · Mac · Linux · Android · iPhone | Two bars | — | — | 6 of 6 | $12.42/mo | 5.4 |
| 13 | FIRECalcWeb | Two bars | — | 1 of 6 | Free | 5.2 | |
| 14 | Moneysmart Retirement PlannerWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 15 | RetireGoldenWeb | Two bars | — | 1 of 6 | Free | 5.2 | |
| 16 | RetireSecureWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 17 | RetirisWeb | One bar | — | 1 of 6 | Free | 5.2 | |
| 18 | SquirrelPlanWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 19 | MoneyHelper Retirement Budget PlannerWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 20 | Covisum Income InSightWeb | One bar | — | — | 1 of 6 | — | 4.9 |
| 21 | Income LabWeb | One bar | — | — | 1 of 6 | — | 4.9 |
| 22 | RetirementViewWindows · Mac | No signal | — | — | 2 of 6 | — | 4.9 |
| 23 | The Complete Retirement PlannerWindows · Mac | One bar | — | — | 2 of 6 | — | 4.9 |
| 24 | Income SolverWeb | One bar | — | — | 1 of 6 | — | 4.8 |
| 25 | IncomeProWeb | One bar | — | — | 1 of 6 | — | 4.8 |
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Income projection | Savings growth projection |
|---|---|---|---|---|---|---|---|---|
| 1 | Boldin | 6.6 | Free plan | $12/mo | Yes | — | Yes | Yes |
| 2 | Flexible Retirement Planner | 6.6 | Free plan | Free | Yes | — | Yes | Yes |
| 3 | ProjectionLab | 6.6 | Free plan | $10.75/mo | Yes | — | Yes | Yes |
| 4 | RetireePlan | 6.6 | Free plan | Free | Yes | — | Yes | Yes |
| 5 | driftcurve | 6.4 | Free plan | Free | Yes | — | Yes | Yes |
| 6 | FI Calc | 6.4 | Free plan | Free | Yes | — | Yes | Yes |
| 7 | Fidelity Planning & Guidance Center | 6.4 | Free plan | Free | Yes | — | Yes | Yes |
| 8 | Retireator | 6.4 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | Retirement Budget Calculator | 6.4 | Free plan | $7.92/mo | Yes | 9.95 /mo | Yes | Yes |
| 10 | Scenarios | 6.4 | Free plan | £60.50/mo | Yes | — | Yes | Yes |
| 11 | T. Rowe Price Retirement Income Calculator | 5.5 | No | — | Yes | — | Yes | Yes |
| 12 | MaxiFi | 5.4 | No | $12.42/mo | No | — | Yes | Yes |
| 13 | FIRECalc | 5.2 | Free plan | Free | Yes | — | No | Yes |
| 14 | Moneysmart Retirement Planner | 5.2 | No | — | Yes | — | Yes | Yes |
| 15 | RetireGolden | 5.2 | Free plan | Free | Yes | — | Yes | Yes |
| 16 | RetireSecure | 5.2 | No | — | Yes | — | Yes | Yes |
| 17 | Retiris | 5.2 | Free plan | Free | Yes | — | Yes | Yes |
| 18 | SquirrelPlan | 5.2 | No | — | Yes | — | Yes | Yes |
| 19 | MoneyHelper Retirement Budget Planner | 5.1 | No | — | Yes | — | — | — |
| 20 | Covisum Income InSight | 4.9 | No | — | No | 119.99 /mo | Yes | Yes |
| 21 | Income Lab | 4.9 | No | — | No | 199 /mo | Yes | Yes |
| 22 | RetirementView | 4.9 | No | — | No | — | Yes | Yes |
| 23 | The Complete Retirement Planner | 4.9 | No | — | No | — | Yes | Yes |
| 24 | Income Solver | 4.8 | No | — | No | — | Yes | Yes |
| 25 | IncomePro | 4.8 | No | — | No | 99 /mo | Yes | Yes |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which retirement planning software is ranked first on Freedom251?
Boldin is ranked #1 of 26 with a score of 6.6. Flexible Retirement Planner is second and ProjectionLab third.
How many of these have a free plan?
13 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Retirement Budget Calculator has the lowest first paid tier we found: $7.92/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.