Best Retirement Planning Software in 2026
Updated
In short: Boldin is ranked #1 of 26 as of 7 October 2026, ahead of ProjectionLab and MaxiFi. The best-ranked option with a free plan is ProjectionLab. The lowest first paid tier on this page is Retirement Budget Calculator at $7.92/mo.
Retirement planning tools let you explore how savings, income, and withdrawals may fit together over time. Compared on income and savings growth projections, scenario analysis, and withdrawal planning, the options can be weighed against the questions you want to model. Social Security and tax modeling add further planning dimensions, while account synchronization may affect how you bring financial information into the process. Boldin, ProjectionLab, and MaxiFi are among the tools shown, alongside Flexible Retirement Planner and RetireePlan. Consider which projections matter to your plans, whether comparing scenarios is useful, and how free-plan availability and paid-from pricing fit your approach.
26 retirement planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
26ranked
12free plans on this page
$7.92/molowest paid tier
7 Oct 2026last checked
Input list Retirement Planning Software 25 channels on this page · 166 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromIncome projectionSavings growth projectionWithdrawal planningTax modelingSocial Security modelingScenario analysis Spec sheet Score
01 Boldin Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 7.7
02 ProjectionLab Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 7.7
03 MaxiFi Free planNoPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 7.6
04 Flexible Retirement Planner Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 7.4
05 RetireePlan Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingnot statedScenario analysisYes 6/8spec lines stated 7.4
06 Retirement Budget Calculator Free planYesPaid from$9.95/moIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 8/8spec lines stated 7.1
07 Retireator Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 7.0
08 Fidelity Planning & Guidance Center Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.9
09 Scenarios Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingNoScenario analysisYes 7/8spec lines stated 6.9
10 driftcurve Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingbasicSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.8
11 FI Calc Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingYesScenario analysisYes 6/8spec lines stated 6.7
12 T. Rowe Price Retirement Income Calculator Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.7
13 Covisum Income InSight Free planNoPaid from$119.99/moIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.0
14 FIRECalc Free planYesPaid fromnot statedIncome projectionNoSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingYesScenario analysisYes 6/8spec lines stated 6.0
15 RetireGolden Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.0
16 The Complete Retirement Planner Free planNoPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 6.0
17 Income Lab Free planNoPaid from$199/moIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 8/8spec lines stated 5.9
18 RetirementView Free planNoPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningnot statedTax modelingnot statedSocial Security modelingYesScenario analysisYes 5/8spec lines stated 5.9
19 Retiris Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingYesScenario analysisYes 6/8spec lines stated 5.9
20 SquirrelPlan Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingnot statedScenario analysisYes 5/8spec lines stated 5.9
21 Income Solver Free planNoPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 5.8
22 IncomePro Free planNoPaid from$99/moIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 8/8spec lines stated 5.8
23 Moneysmart Retirement Planner Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningnot statedTax modelingnot statedSocial Security modelingNoScenario analysisYes 5/8spec lines stated 5.8
24 RetireSecure Free planYesPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingnot statedSocial Security modelingnot statedScenario analysisYes 5/8spec lines stated 5.8
25 WealthTrace Free planNoPaid fromnot statedIncome projectionYesSavings growth projectionYesWithdrawal planningYesTax modelingdetailedSocial Security modelingYesScenario analysisYes 7/8spec lines stated 5.8
Compare all 25 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Income projection | Savings growth projection |
|---|---|---|---|---|---|---|---|---|
| 1 | Boldin | 7.7 | Free plan | $12/mo | Yes | — | Yes | Yes |
| 2 | ProjectionLab | 7.7 | Free plan | $10.75/mo | Yes | — | Yes | Yes |
| 3 | MaxiFi | 7.6 | No | $12.42/mo | No | — | Yes | Yes |
| 4 | Flexible Retirement Planner | 7.4 | Free plan | Free | Yes | — | Yes | Yes |
| 5 | RetireePlan | 7.4 | Free plan | Free | Yes | — | Yes | Yes |
| 6 | Retirement Budget Calculator | 7.1 | Free plan | $7.92/mo | Yes | 9.95 /mo | Yes | Yes |
| 7 | Retireator | 7.0 | Free plan | Free | Yes | — | Yes | Yes |
| 8 | Fidelity Planning & Guidance Center | 6.9 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | Scenarios | 6.9 | Free plan | £60.50/mo | Yes | — | Yes | Yes |
| 10 | driftcurve | 6.8 | Free plan | Free | Yes | — | Yes | Yes |
| 11 | FI Calc | 6.7 | Free plan | Free | Yes | — | Yes | Yes |
| 12 | T. Rowe Price Retirement Income Calculator | 6.7 | No | — | Yes | — | Yes | Yes |
| 13 | Covisum Income InSight | 6.0 | No | — | No | 119.99 /mo | Yes | Yes |
| 14 | FIRECalc | 6.0 | Free plan | Free | Yes | — | No | Yes |
| 15 | RetireGolden | 6.0 | No | — | Yes | — | Yes | Yes |
| 16 | The Complete Retirement Planner | 6.0 | No | — | No | — | Yes | Yes |
| 17 | Income Lab | 5.9 | No | — | No | 199 /mo | Yes | Yes |
| 18 | RetirementView | 5.9 | No | — | No | — | Yes | Yes |
| 19 | Retiris | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 20 | SquirrelPlan | 5.9 | No | — | Yes | — | Yes | Yes |
| 21 | Income Solver | 5.8 | No | — | No | — | Yes | Yes |
| 22 | IncomePro | 5.8 | No | — | No | 99 /mo | Yes | Yes |
| 23 | Moneysmart Retirement Planner | 5.8 | No | — | Yes | — | Yes | Yes |
| 24 | RetireSecure | 5.8 | No | — | Yes | — | Yes | Yes |
| 25 | WealthTrace | 5.8 | No | — | No | — | Yes | Yes |
Is your tool on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which retirement planning software is ranked first on Specifiction?
Boldin is ranked #1 of 26 with a score of 7.7. ProjectionLab is second and MaxiFi third.
How many of these have a free plan?
12 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Retirement Budget Calculator has the lowest first paid tier we found: $7.92/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.
More in Finance & Accounting
All finance & accounting listsPersonal Finance Software 181Personal Tax Software 123Tax Compliance Software 108Accounts Payable Software 97Financial Planning & Analysis Software 89Scenario Planning Software 85Invoicing software 84Money Transfer Apps 81Portfolio Management Software 81Bookkeeping Software 76Bank Connectivity Software 70Fund Accounting Software 69