Best The Complete Retirement Planner Alternatives in 2026
The top The Complete Retirement Planner alternatives are Boldin, Fidelity Planning & Guidance Center and MaxiFi: 15 retirement planning software our editors would look at instead of The Complete Retirement Planner, in our ranking order.
The Complete Retirement Planner: A one-time Excel planner for year-by-year retirement, tax, and Social Security modeling. Where it falls short: requires paid microsoft excel 2016 or later.
Switching from The Complete Retirement Planner? For most retirement planning software buyers the best The Complete Retirement Planner alternative is Boldin, built for households building and comparing retirement plans. On a budget, IncomePro starts at $99/mo.
Why People Look for a The Complete Retirement Planner Alternative
- Requires paid Microsoft Excel 2016 or later
- Uses user-entered financial information rather than account syncing
- Available as a downloadable Excel tool, not a cloud-based planner
- No free plan — 10 of the alternatives below have it
Quick Picks by What You Need
- Best overallBoldin9.4
Households building and comparing retirement plans
Visit Boldin - Lowest priceIncomePro7.9
Paid plans from $99/mo
Visit IncomePro - Best free optionBoldin9.4
Has a free plan (The Complete Retirement Planner has none)
Visit Boldin
All 15 The Complete Retirement Planner Alternatives, Ranked
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.
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Best forHouseholds building and comparing retirement plans
- Better than The Complete Retirement Planner:
- Free plan
- Editor score 9.4 vs 8.9
A guided retirement plan with detailed projections, plus a free tier to get started.
- Social Security modeling
9.4/10★★★★★Visit Boldin -
Best forFidelity customers wanting free, connected planning
- Better than The Complete Retirement Planner:
- Free plan
- Editor score 9.3 vs 8.9
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
- Better than The Complete Retirement Planner:
- Editor score 9.2 vs 8.9
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
- Better than The Complete Retirement Planner:
- Free plan
- Editor score 9.0 vs 8.9
A visual retirement planner with free projections and paid tax, withdrawal, and scenario tools.
- Social Security modeling
9.0/10★★★★☆Visit ProjectionLab -
Best forUsers wanting detailed free Monte Carlo planning
- Better than The Complete Retirement Planner:
- Free plan
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
- Better than The Complete Retirement Planner:
- Free plan
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
- Better than The Complete Retirement Planner:
- Free plan
Detailed Canadian retirement projections, tax modeling, and scenarios at no cost.
8.6/10★★★★☆Visit RetireePlan -
Best forOpen-source users needing broad household modeling
- Better than The Complete Retirement Planner:
- Free plan
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
- Better than The Complete Retirement Planner:
- Free plan
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
- Better than The Complete Retirement Planner:
- Free plan
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
- Better than The Complete Retirement Planner:
- Free plan
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
The Complete Retirement Planner Alternatives: Common Questions
What is the best alternative to The Complete Retirement Planner?
Boldin: #1 in our Retirement Planning Software ranking, with an editor score of 9.4 out of 10. A guided retirement plan with detailed projections, plus a free tier to get started.
Is there a free alternative to The Complete Retirement Planner?
Yes. Boldin, Fidelity Planning & Guidance Center, ProjectionLab, Flexible Retirement Planner and RetireGolden have a free plan or a free tier (10 of the 15 alternatives on this page).
Why do people look for The Complete Retirement Planner alternatives?
Requires paid Microsoft Excel 2016 or later; Uses user-entered financial information rather than account syncing; Available as a downloadable Excel tool, not a cloud-based planner.
How do I switch from The Complete Retirement Planner?
Export your data from The Complete Retirement Planner (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel The Complete Retirement Planner.
How to Switch from The Complete Retirement Planner
- Export your data from The Complete Retirement Planner (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel The Complete Retirement Planner.
The Complete Retirement Planner vs Each Alternative
| # | Tool | Free plan | Paid from | Income projection | Savings growth projection | Withdrawal planning | Tax modeling | Scenario analysis | Score |
|---|---|---|---|---|---|---|---|---|---|
| 5 | The Complete Retirement Planner | No | $89.99 one-time | Yes | Yes | Yes | Detailed | Yes | 8.9 |
| 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 | Flexible Retirement Planner | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.8 |
| 6 | RetireGolden | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.7 |
| 7 | RetireePlan | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.6 |
| 8 | driftcurve | Yes | Free | Yes | Yes | Yes | Basic | Yes | 8.5 |
| 9 | WealthTrace | No | $229/yr | Yes | Yes | Yes | Detailed | Yes | 8.4 |
| 10 | Retirement Budget Calculator | Yes | $95/yr | Yes | Yes | Yes | Detailed | Yes | 8.3 |
| 11 | T. Rowe Price Retirement Income Calculator | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.2 |
| 12 | Retireator | Yes | Free | Yes | Yes | Yes | Detailed | Yes | 8.1 |
| 13 | Income Solver | No | Yes | Yes | Yes | Detailed | Yes | 8.0 | |
| 14 | IncomePro | No | $99/mo | Yes | Yes | Yes | Detailed | Yes | 7.9 |
| 15 | Covisum Income InSight | No | $1,400/yr | Yes | Yes | Yes | Yes | 7.8 |
Head-to-Head
- The Complete Retirement Planner vs Boldin
- The Complete Retirement Planner vs Fidelity Planning & Guidance Center
- The Complete Retirement Planner vs MaxiFi
- The Complete Retirement Planner vs ProjectionLab
- The Complete Retirement Planner vs Flexible Retirement Planner
- The Complete Retirement Planner vs RetireGolden
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update