RetireGolden
Privacy-first retirement planning in your browser
At a glance
- Editor scoreNot yet scored
- PricingFree plan
- Best forFree users wanting detailed tax and Social Security models
- Free planYes
- Paid fromNone
- Tax modelingDetailed
- Facts checked19 Sep 2026
Where it wins
- Models Social Security claiming and spousal or survivor benefits
- Estimates federal and state taxes, RMDs, Roth conversions, and ACA premiums
- Compares scenarios and runs Monte Carlo risk analysis
Where it doesn't
- No account syncing or integrations
- Tax estimates are for planning, not tax-return preparation
- Not personalized financial, tax, legal, or investment advice
Our verdict on RetireGolden
RetireGolden is a browser-based retirement planning calculator for people evaluating savings, income, spending, taxes, withdrawals, and retirement timing. It builds year-by-year household projections and is aimed at users who want to explore how different choices may affect retirement outcomes. Its free, open-source model suits people looking for a detailed planning tool without creating an account, while it is not a substitute for professional advice.
The modeling spans Social Security claiming ages, including spousal and survivor benefits, as well as federal and state tax estimates. Those estimates cover required minimum distributions, Roth conversions, ACA premiums, and IRMAA. Monte Carlo analysis adds success rates and percentile bands to help frame uncertainty, and side-by-side scenario comparison makes it possible to examine alternative assumptions. Withdrawal and Roth-conversion optimization add further depth for users focused on how assets are drawn down. Tax estimates are described as planning-precision rather than tax-return software, so users needing a return prepared or tax advice should choose a different service or consult a professional.
Plans are calculated and stored locally in the browser, without accounts or server-side plan storage. JSON plan export and import provides a way to move a plan, but account syncing and integrations are not part of the offering. This browser-centered approach will appeal to people who prefer local storage and are comfortable managing scenarios themselves; users seeking connected financial accounts or an integrated workflow should look elsewhere. RetireGolden is positioned as an educational modeling tool, not personalized financial, tax, legal, or investment advice.
RetireGolden pricing
RetireGolden 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 | None |
| Deployment | Cloud |
| Platforms | Web |
| Pricing | Free plan |
| Website | retiregolden.app |
| Facts checked | 19 Sep 2026 |
Alternatives to RetireGolden
- 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
See all RetireGolden alternatives →
RetireGolden vs the competition
- RetireGolden vs Boldin
- RetireGolden vs Fidelity Planning & Guidance Center
- RetireGolden vs MaxiFi
- RetireGolden vs ProjectionLab
- RetireGolden vs The Complete Retirement Planner
- RetireGolden vs Flexible Retirement Planner
Compare RetireGolden with any tool side by side →
Used RetireGolden? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used RetireGolden for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
RetireGolden is listed in our Retirement Planning Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/retiregolden/"><img src="https://www.itechguides.com/best/badge/retiregolden.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes a score or a verdict. How we rank.