driftcurve vs Moneysmart Retirement Planner
driftcurve
github.com
Moneysmart Retirement Planner
moneysmart.gov.auSide by side
| Figure | driftcurve | Moneysmart Retirement Planner |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 1 | 1 |
| Spec score · Retirement Planning Software | 8.8 (#4) | 7.4 (#21) |
| Not financial advice | The maker describes driftcurve as a modeling and educational tool, not a licensed financial, investment, tax, or legal advisor. | Moneysmart says it does not provide personal financial advice. |
| Privacy | In default local mode, household data and saved scenarios stay in browser localStorage, with no account or server-side database persistence; forecasts run through the Python backend. | Moneysmart says it complies with the Australian Privacy Principles in the Privacy Act 1988 and follows federal government website guidelines. |
| Purpose | driftcurve is a household retirement planning engine that models household finances and simulates retirement outcomes. | The planner estimates retirement income, helps users check progress toward retirement goals and helps create a retirement plan. |
Plans
In their own words
driftcurve
driftcurve is an open-source household retirement planning engine for projecting finances and comparing retirement outcomes. It can model multiple household members, account types, debts, mortgages, pensions, Social Security and property sales. Its default Monte Carlo simulations resample annual market data from 1966–2024 across equities, Treasuries, residential real estate, inflation and Bitcoin. Users can adjust historical returns toward their own long-run targets or enter static annual assumptions. Risk-based spending guardrails solve for monthly spending and suggest adjustments based on portfolio thresholds and probability of success. A Compare page puts two scenarios on one chart. In default local mode, household data and saved scenarios stay in browser localStorage, while forecasts run through a Python backend; there is no account or server-side database persistence. Optional multi-user mode adds email/password accounts, server-side sessions, and stored profiles and scenarios. The project offers forecast and guardrails API endpoints, plus authentication, profile and scenario endpoints in multi-user mode. It is free under Apache License 2.0. The maker describes it as an educational modeling tool, not licensed financial, investment, tax or legal advice.
Moneysmart Retirement Planner
Moneysmart Retirement Planner has no write-up on Specifiction yet; its figures are above.