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RetireGolden

retiregolden.app

Free plan Web
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Spec score 7.2 #22 of 26 in Retirement Planning Software

What it is

RetireGolden is a free, open-source web calculator for exploring retirement savings, income, spending, withdrawals, and taxes over time. It models account balances and retirement cash flows so users can compare scenarios. Planning features cover Social Security, Roth conversions, healthcare costs, and federal and state taxes. Risk analysis uses Monte Carlo market paths, with optional longevity variation and long-term-care shocks. Users can import a broker CSV, ProjectionLab export, spreadsheet, or prior-year tax return; those imports are parsed on the device. RetireGolden has no accounts or server-side plan storage, so entered data remains in the browser on the device. Plans can be exported as JSON backups and imported elsewhere, but cannot be recovered after browser data is cleared or a device changes. Tax estimates are for planning, not filing, and Monte Carlo outputs describe a simplified model rather than an individual prediction. The AGPL-3.0 software is intended to explain trade-offs, not provide personalized financial, tax, or legal advice.

Spec sheet

Purpose
RetireGolden is an educational retirement-planning calculator for modeling savings, income, spending, and taxes over time.Read 7 Oct 2026 · retiregolden.app
Privacy
The product has no accounts or server-side plan storage; entered data stays in the user's browser on the device.Read 7 Oct 2026 · retiregolden.app
Support
Because there is no server copy of a plan, support cannot inspect it unless the user chooses to share a report or details.Read 7 Oct 2026 · retiregolden.app
License
The disclaimer identifies RetireGolden as free and open-source software licensed under AGPL-3.0.Read 7 Oct 2026 · retiregolden.app
Backups
Plans can be exported as JSON backups and imported on another device; RetireGolden cannot recover plans after browser data is cleared or a device is changed.Read 7 Oct 2026 · retiregolden.app
Import options
The home page says users can import a broker CSV, a ProjectionLab export, a spreadsheet, or a prior-year tax return, parsed on-device.Read 7 Oct 2026 · retiregolden.app
Intended use
The product is intended to help users compare choices and understand trade-offs, not to provide personalized financial, tax, or legal advice.Read 7 Oct 2026 · retiregolden.app
Limits
Tax estimates are for planning rather than tax-return filing, and Monte Carlo results are statistics about a simplified model rather than predictions about an individual's life.Read 7 Oct 2026 · retiregolden.app
Projections
It models account balances, income, spending, withdrawals, and retirement cash flows to help compare scenarios.Read 7 Oct 2026 · retiregolden.app
Risk analysis
Risk tools include Monte Carlo market paths, with optional longevity variation and long-term-care shock.Read 7 Oct 2026 · retiregolden.app
Tax and retirement features
It models Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision.Read 7 Oct 2026 · retiregolden.app

Plans and prices

Free Free Free and open-source software No accounts · Browser-only storage Read 7 Oct 2026 · retiregolden.app

Every RetireGolden plan and price →

Strong points and limits

Strong points

  • Models income, savings, spending, and withdrawals
  • Includes Social Security and tax modeling
  • Offers Monte Carlo risk analysis
  • Imports several files on-device
  • Free and licensed under AGPL-3.0

Limits

  • No account synchronization is available
  • Plans cannot be recovered after browser data loss
  • Tax estimates are not for filing
  • Monte Carlo results are not personal predictions

Who it suits

RetireGolden suits people comparing retirement scenarios who want browser-based projections without accounts or server storage. It is for planning and trade-off analysis, not individualized professional advice.

Verdict

RetireGolden provides broad retirement scenario modeling while keeping plans in the user’s browser. Its free, open-source design and import options are balanced by manual backup responsibility and explicit planning-only limits.

Where Specifiction places it

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