Flexible Retirement Planner
Monte Carlo retirement planning for personal financial simulations
At a glance
- Editor scoreNot yet scored
- PricingFree plan
- Best forUsers wanting detailed free Monte Carlo planning
- Free planYes
- Paid fromNone
- Tax modelingDetailed
- Founded2006
- Facts checked19 Sep 2026
Where it wins
- Models 10,000 life cycles for retirement simulations
- Includes Roth conversions, RMDs, and withdrawal-order controls
- Runs on web, Windows, macOS, and Linux
Where it doesn't
- Limited to personal, non-commercial or educational use
- No verified integrations or account synchronization
- Requires detailed year-by-year financial inputs
Our verdict on Flexible Retirement Planner
Flexible Retirement Planner models savings accumulation and retirement spending through Monte Carlo simulations, making it suited to individuals and educators who want to examine how changing financial assumptions may affect retirement outcomes. Users can enter ages, savings, portfolio balances, income, expenses, inflation, investment returns, and tax rates. The planner supports year-by-year cash flows, Social Security and other retirement income, and both flexible and dynamic spending policies. Its detailed controls are a better fit for people comfortable working with financial assumptions than for someone looking for a minimal retirement estimate.
The planning depth is its main distinction. It models 10,000 life cycles and supports taxable, tax-deferred, and tax-free portfolios, withdrawal-order configuration, early-withdrawal penalties, Roth conversions, and required minimum distributions. What-if scenarios and sensitivity analysis help users compare assumptions and see how changes may affect projected spending and portfolio outcomes. The range of inputs gives users control over tax and withdrawal choices, though it also means the planner asks for more than a few headline figures.
The software is free for personal, non-commercial use and educational use; commercial use is not permitted or supported. It is available as an online planner and downloadable standalone versions for Windows and Mac/Linux. No fixed paid plan is described, and voluntary contributions are accepted. Flexible Retirement Planner is a strong fit for people who want detailed, assumption-driven modeling without a subscription. It is less suitable for commercial advisers or users who expect synchronized financial accounts or integrated data flows; those users should consider a planner built around those needs.
Flexible Retirement Planner pricing
Flexible Retirement Planner fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Income projection | Yes |
| Savings growth projection | Yes |
| Withdrawal planning | Yes |
| Tax modeling | Detailed |
| Social Security modeling | Yes |
| Scenario analysis | Yes |
| Account synchronization | Not verified |
| Deployment | Cloud, Desktop |
| Platforms | Web, Windows, macOS, Linux |
| Pricing | Free plan (source) |
| Website | flexibleretirementplanner.com |
| Facts checked | 19 Sep 2026 |
Alternatives to Flexible Retirement Planner
- BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.6
- Fidelity Planning & Guidance CenterA free planner with tax, Social Security, withdrawal and what-if analysis.8.6
- MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.7.4
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Flexible Retirement Planner vs the competition
- Flexible Retirement Planner vs Boldin
- Flexible Retirement Planner vs Fidelity Planning & Guidance Center
- Flexible Retirement Planner vs MaxiFi
- Flexible Retirement Planner vs ProjectionLab
- Flexible Retirement Planner vs The Complete Retirement Planner
- Flexible Retirement Planner vs RetireGolden
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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