The Best Retirement Planning Software in 2026
We researched retirement planning software from official websites, including pricing pages, plan tables, and product documentation. Products are ranked on their core job, value for money, and verified features for projecting retirement income, savings growth, withdrawals, taxes, and financial readiness.
Our top picks
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Top ranked
Boldin#1 of 269.4/10A guided retirement plan with detailed projections, plus a free tier to get started.
Free plan · 14-day trial
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Runner-up
9.3/10A free planner with tax, Social Security, withdrawal and what-if analysis.
Free plan
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Top-ranked free plan
ProjectionLab#4 of 269.0/10A visual retirement planner with free projections and paid tax, withdrawal, and scenario tools.
Free plan · 7-day trial
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 26 tools, best first
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Best forHouseholds building and comparing retirement plans
A guided retirement plan with detailed projections, plus a free tier to get started.
- Social Security modeling
Free plan · 14-day trial Our Boldin verdict → Visit BoldinFor vendors Sponsor this spot · #1 · $149/mo →9.4/10★★★★★Visit Boldin -
Best forFidelity customers wanting free, connected planning
A free planner with tax, Social Security, withdrawal and what-if analysis.
- Social Security modeling
9.3/10★★★★★Visit Fidelity -
Best forMulti-platform users wanting deep annual planning
Deep lifetime and retirement planning across web, desktop, and mobile for an annual fee.
- Social Security modeling
9.2/10★★★★★Visit MaxiFi -
Best forVisual planners wanting free scenario analysis
A visual retirement planner with free projections and paid tax, withdrawal, and scenario tools.
- Social Security modeling
Free plan · 7-day trial Our ProjectionLab verdict → Visit ProjectionLabFor vendors Sponsor this spot · #4 · $69/mo →9.0/10★★★★☆Visit ProjectionLab -
Best forU.S. households wanting a low-cost one-time purchase
A one-time Excel planner for year-by-year retirement, tax, and Social Security modeling.
- Social Security modeling
8.9/10★★★★☆Visit The Planner -
Best forUsers wanting detailed free Monte Carlo planning
A free retirement planner with detailed inputs, withdrawal controls, and 10,000 modeled life cycles.
- Social Security modeling
8.8/10★★★★☆Visit site -
Best forFree users wanting detailed tax and Social Security models
A free, open-source browser tool for detailed retirement and tax scenario modeling.
- Social Security modeling
8.7/10★★★★☆Visit RetireGolden -
Best forCanadian households needing tax-specific planning
Detailed Canadian retirement projections, tax modeling, and scenarios at no cost.
8.6/10★★★★☆Visit RetireePlan -
Best forOpen-source users needing broad household modeling
Broad household retirement modeling without a subscription or account sync.
- Social Security modeling
8.5/10★★★★☆Visit driftcurve -
Best forPeople comparing linked accounts and detailed tax scenarios
Detailed retirement projections and tax scenarios, starting at $229 per year.
- Social Security modeling
8.4/10★★★★☆Visit WealthTrace -
Best forBudget-focused users seeking full retirement planning
A web-based retirement planner with a free tier and broad paid planning tools.
- Social Security modeling
8.3/10★★★★☆Visit site -
Best forT. Rowe Price customers wanting free planning
A free web planner with detailed retirement projections and T. Rowe Price account importing.
- Social Security modeling
8.2/10★★★★☆Visit T. Rowe Price -
Best forFree users modeling taxes, annuities, and debt
Detailed retirement and tax modeling for Excel users who do not need account sync.
- Social Security modeling
8.1/10★★★★☆Visit Retireator -
Best forAdvisors optimizing withdrawal strategies
A withdrawal-planning tool for advisors coordinating taxes, investments and income.
- Social Security modeling
8.0/10★★★★☆Visit Income Solver -
Best forAdvisors needing tax and Medicare projections
Detailed retirement-income, tax, and Medicare projections, starting at $99 per month.
- Social Security modeling
7.9/10★★★★☆Visit IncomePro -
Best forAdvisors needing client-ready retirement analysis
A web-based planning tool for advisor-led retirement income analysis and client reports.
- Social Security modeling
7.8/10★★★★☆Visit Covisum -
Best forAdvisors needing integrations and AI workflows
A connected advisor planning suite with detailed income tools and a high monthly price.
- Social Security modeling
7.7/10★★★★☆Visit Income Lab -
Best forFree users wanting simple Monte Carlo scenarios
A free web service for retirement projections and editable Monte Carlo scenarios.
- Social Security modeling
7.6/10★★★★☆Visit Retiris -
Best forFree users testing historical withdrawal strategies
A free web calculator for comparing retirement withdrawal strategies through historical backtesting.
- Social Security modeling
7.4/10★★★★☆Visit FI Calc -
Best forFree users testing long historical market sequences
A free web calculator for checking retirement plans against market history dating to 1871.
- Social Security modeling
7.3/10★★★★☆Visit FIRECalc -
RetireSecureVerified
Best forUK users needing free decumulation analysis
A free web simulator for UK-focused retirement cash-flow and decumulation planning.
7.2/10★★★★☆Visit RetireSecure -
Best forUK households wanting inexpensive tax-aware planning
A UK-focused planner with free projections and paid tax, withdrawal and couple modelling.
7.1/10★★★★☆Visit Scenarios -
Best forAustralians planning around superannuation and Age Pension
A free Australian retirement calculator centered on superannuation, Age Pension and scenario planning.
7.0/10★★★★☆Visit Moneysmart -
Best forDesktop users wanting traditional spreadsheet-style planning
Spreadsheet-style retirement projections with scenario analysis, reports, and Excel export.
- Social Security modeling
6.9/10★★★☆☆Visit RetirementView -
Best forOpen-source users wanting basic private projections
A private, browser-based planner for modeling savings, retirement timing, and withdrawals.
6.8/10★★★☆☆Visit SquirrelPlan -
Best forPeople planning a simple UK retirement budget
A free web planner for comparing expected retirement income with household outgoings.
6.7/10★★★☆☆Visit MoneyHelper
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Income projection | Savings growth projection | Withdrawal planning | Tax modeling | Scenario analysis | Score |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Boldin | Yes | $144/yr | Yes | Yes | Yes | Detailed | Yes | 9.4 |
| 2 | Fidelity Planning & Guidance Center | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 9.3 |
| 3 | MaxiFi | No | $109/yr | Yes | Yes | Yes | Detailed | Yes | 9.2 |
| 4 | ProjectionLab | Yes | $129/yr | Yes | Yes | Yes | Detailed | Yes | 9.0 |
| 5 | The Complete Retirement Planner | No | $89.99 one-time | Yes | Yes | Yes | Detailed | Yes | 8.9 |
| 6 | Flexible Retirement Planner | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.8 |
| 7 | RetireGolden | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.7 |
| 8 | RetireePlan | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.6 |
| 9 | driftcurve | Yes | Free | Yes | Yes | Yes | Basic | Yes | 8.5 |
| 10 | WealthTrace | No | $229/yr | Yes | Yes | Yes | Detailed | Yes | 8.4 |
| 11 | Retirement Budget Calculator | Yes | $95/yr | Yes | Yes | Yes | Detailed | Yes | 8.3 |
| 12 | T. Rowe Price Retirement Income Calculator | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.2 |
| 13 | Retireator | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.1 |
| 14 | Income Solver | No | Yes | Yes | Yes | Detailed | Yes | 8.0 | |
| 15 | IncomePro | No | $99/mo | Yes | Yes | Yes | Detailed | Yes | 7.9 |
| 16 | Covisum Income InSight | No | $1,400/yr | Yes | Yes | Yes | Yes | 7.8 | |
| 17 | Income Lab | No | $199/mo | Yes | Yes | Yes | Detailed | Yes | 7.7 |
| 18 | Retiris | Yes | Free | Yes | Yes | Yes | None | Yes | 7.6 |
| 19 | FI Calc | Yes | Free | Yes | Yes | Yes | None | Yes | 7.4 |
| 20 | FIRECalc | Yes | Free | No | Yes | Yes | None | Yes | 7.3 |
| 21 | RetireSecure | Yes | Free | Yes | Yes | Yes | Yes | 7.2 | |
| 22 | Scenarios | Yes | £6/mo | Yes | Yes | Yes | Detailed | Yes | 7.1 |
| 23 | Moneysmart Retirement Planner | Yes | Free | Yes | Yes | Yes | 7.0 | ||
| 24 | RetirementView | No | $899/yr | Yes | Yes | Yes | 6.9 | ||
| 25 | SquirrelPlan | Yes | Free | Yes | Yes | Yes | None | Yes | 6.8 |
| 26 | MoneyHelper Retirement Budget Planner | Yes | Free | 6.7 |
Head-to-head All 28 comparisons →
- Boldin vs Fidelity Planning & Guidance Center
- Boldin vs MaxiFi
- Boldin vs ProjectionLab
- Boldin vs The Complete Retirement Planner
- Boldin vs Flexible Retirement Planner
- Boldin vs RetireGolden
- Boldin vs RetireePlan
- Fidelity Planning & Guidance Center vs MaxiFi
- Fidelity Planning & Guidance Center vs ProjectionLab
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How we rank retirement planning software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update