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Best Retirement Planning Software in 2026
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 apps
- Research read 23 Sept 2026
- How the order is worked out
- 1
driftcurve
Free plan Open source APISelf-hostedWebdriftcurve brings broad household inputs, return assumptions, and scenario comparison into a free retirement modeling tool.
- 2
Retireator
Free plan Open source WebWindowsRetireator covers a wide range of retirement income, tax, Social Security, and housing factors in a free Excel-based simulator.
- 3
Boldin
Free plan AndroidAPIiPhone+1Boldin offers household planning tools, scenario analysis, and several support options. Account-linking gaps and the trial's coaching limits are worth considering before relying on it for a plan.
- 4
Flexible Retirement Planner
Free plan LinuxMacWeb+1Flexible Retirement Planner offers detailed scenario modeling for personal, non-commercial retirement planning, including offline use through its standalone version.
- 5
ProjectionLab
Free plan AndroidAPIExtension+2ProjectionLab covers a wide range of personal planning scenarios, with a separate Pro plan for advisors and coaches.
- 6
FI Calc
Free plan WebFI Calc offers historical-data retirement simulations with configurable assets, income, and withdrawals, plus CSV export.
- 7
RetireePlan
Free plan APILinuxMac+3RetireePlan provides detailed Canadian retirement projections, tax modeling, and scenario comparisons at no cost.
- 8
Fidelity Planning & Guidance Center
Free plan WebThe center offers no-fee planning scenarios and multiple-goal tracking, but its projections are hypothetical and its analysis is not personalized advice.
- 9
FIRECalc
Free plan WebFIRECalc offers a range of retirement spending and portfolio scenarios framed by historical market outcomes. Its results are not forecasts, and it does not cover taxes or account synchronization.
- 10
MoneyHelper Retirement Budget Planner
Free plan WebChoose MoneyHelper Retirement Budget Planner if you want a free web-based way to estimate retirement costs and organize income and spending.
- 11
Moneysmart Retirement Planner
Free plan WebChoose Moneysmart Retirement Planner to compare retirement scenarios, estimate income and savings growth, and download the results without paying.
- 12
RetireGolden
Free plan WebRetireGolden provides a free way to model retirement scenarios while keeping data in the browser.
- 13
Retirement Budget Calculator
Free plan WebRBC combines retirement budgeting and scenario planning with tax and Social Security estimates.
- 14
SquirrelPlan
Free plan Self-hostedWebChoose SquirrelPlan if you want a free, open source way to project wealth using income, savings and retirement assumptions.
- 15
RetireSecure
Free plan WebRetireSecure brings retirement cash flow scenarios, withdrawal planning, and secure income strategies into a free simulator.
- 16
Retiris
Free plan WebRetiris is suited to savers who want free, immediate retirement projections and scenario analysis without creating an account.
- 17
Scenarios
Free plan WebScenarios offers free projection tools and paid UK tax and planning features, with Duo adding shared household modelling. Its projections are educational, not financial advice.
- 18
MaxiFi
Free trial AndroidiPhoneLinux+3MaxiFi is designed to connect long-range financial choices with projected spending, taxes, and benefits.
- 19
T. Rowe Price Retirement Income Calculator
Free plan WebThe calculator lets users explore retirement scenarios and see how selected changes affect a projected probability of success.
- 20
Covisum Income InSight
Free trial WebChoose Income InSight if you advise clients near or in retirement and need integrated income, tax, Social Security, and scenario planning.
- 21
Income Lab
Free trial WebIncome Lab combines retirement projections with spending guardrails and extensive Social Security analysis.
- 22
IncomePro
Free trial WebIncomePro brings retirement income, tax, and scenario projections together for advisors. Its client limits, subscription commitment, and compliance responsibilities are important factors to weigh.
- 23
Income Solver
Free trial WebIncome Solver combines retirement income, investment, tax, and Social Security planning for financial professionals.
- 24
RetirementView
Free trial MacWindowsChoose RetirementView if you need retirement income projections that account for multiple asset and income types, or if you illustrate plans for clients.
- 25
WealthTrace
Free trial WebWealthTrace brings investment tracking and detailed retirement scenario and tax modeling into a web-based planning product.
#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price
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