Covisum Income InSight vs FIRECalc
Covisum Income InSight
covisum.comFIRECalc
firecalc.comSide by side
| Figure | Covisum Income InSight | FIRECalc |
|---|---|---|
| Price from | $116.67/mo | Free |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Retirement Planning Software | 8.2 (#8) | 7.8 (#13) |
| Purpose | Income InSight is a financial planning platform built for advisors serving mass-affluent and affluent clients in retirement or retirement transition. | FIRECalc helps assess whether savings and planned spending can sustain a retirement across historical market conditions. |
| Support | The product page says subscriptions include unlimited free access to live support and customer success assistance. | The contact page directs usage questions to the FIRECalc support section of the Early Retirement forum and accepts bug reports and suggestions. |
Plans
Covisum Income InSight
- Monthly$119.99 a month
- Annual$1,400 a year
- Income InSight monthly subscription$119.99 a month
- Income InSight annual subscription$1,400 a year
In their own words
Covisum Income InSight
Covisum Income InSight has no write-up on Specifiction yet; its figures are above.
FIRECalc
FIRECalc is a free web calculator for assessing whether savings, planned spending, and other resources could sustain retirement. It tests plans against historical market conditions beginning in 1871 and reports how often the portfolio would have remained funded for the selected term across historical starting years. Users can include Social Security, pensions, and other income or spending adjustments. Spending options include inflation-adjusted constant amounts, Bernicke's Reality Retirement Plan, and a percentage of the remaining portfolio. Portfolio settings allow historical investment portfolios, fees, and consistent or random returns. Planning inputs can include a future retirement date, annual contributions before retirement, and future lump-sum changes. Defaults are a 75% stock-index and 25% bond-fund portfolio, a 0.18% fund fee, and inflation-adjusted spending over 30 years. FIRECalc says it cannot predict future returns and does not provide tax planning. The homepage reports data through January 1, 2026, updated April 17, 2026. It says it does not store financial entries; temporary spreadsheet and graphic files are deleted after about 15 minutes.