Retirement Budget Calculator
Retirement planning for budgets, taxes, income, and withdrawals
At a glance
- Editor score8.4 / 10
- PricingFree plan · paid from $9.95/mo
- Best forBudget-focused users seeking full retirement planning
- Free planYes
- Paid from$9.95/mo
- Tax modelingDetailed
- Facts checked19 Sep 2026
Where it wins
- Free plan includes budgeting, asset tracking, and a basic dashboard
- Premium adds tax estimates, Social Security and withdrawal planning
- Manual entry avoids linking bank or investment accounts
Where it doesn't
- Account syncing is not available
- Service is limited to U.S. residents accessing it within the United States
- Wealth Manager is described as an investment service, not a self-serve plan
Our verdict on Retirement Budget Calculator
Retirement Budget Calculator is web-based retirement planning software for people preparing for retirement, particularly those aged 55 and older. It brings budgeting, income and expense projections, asset and liability tracking, and retirement scenario analysis into one planning tool. Its manual-entry approach suits people who prefer not to connect bank or investment accounts, though it means entering financial information yourself. The service is offered only to U.S. residents accessing it from within the United States.
The free plan covers a basic retirement dashboard, budgeting, and asset tracking. Premium costs $9.95 monthly or $95 annually and adds an advanced dashboard, Retirement Optimizer, Tax Estimator, AI Financial Assistant, and RBC Community Access. A separate one-time Premium option costs $195 and lists a Retirement Dashboard, Tax Estimator, Future View, Goal Tracker, and community access. The plan names overlap, so compare the listed features and payment terms before choosing. A Wealth Manager option lists portfolio design and management, ongoing support, and investment monitoring and rebalancing; its pricing is not specified here.
The planning scope is wider than budgeting alone: features include federal tax estimation, Social Security claiming optimization, withdrawal strategy modeling, Monte Carlo simulations, Roth conversion and RMD analysis, and cash-flow and net-worth projections. That breadth makes it a fit for users who want to examine retirement income decisions and scenarios without linking accounts. Manual entry may be a drawback for people seeking automatic account aggregation, and its U.S.-only terms rule it out for users elsewhere. Choose it for self-directed planning across budgets, taxes, and withdrawals; look elsewhere if synced account data is essential.
Retirement Budget Calculator pricing
All 3 Retirement Budget Calculator plans and prices →
Retirement Budget Calculator fact sheet
| Free plan | Yes |
|---|---|
| Paid from | $9.95/mo |
| 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 · paid from $9.95/mo (source) |
| Website | retirementbudgetcalculator.com |
| Facts checked | 19 Sep 2026 |
Alternatives to Retirement Budget Calculator
- 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 Retirement Budget Calculator alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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