driftcurve vs Retirement Budget Calculator

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.

Retirement Budget Calculator is a web tool for estimating retirement budgets, cash flow, taxes, withdrawal strategies, Roth conversions, life expectancy, and net worth. Users can model retirement needs, compare scenarios and withdrawal approaches, and build a cash flow plan. Its free feature list includes a dashboard, retirement timeline, asset and liability tracking, and budgeting. Premium features include an advanced dashboard, retirement optimizer, federal 1040 tax estimator, AI assistant Finn, and community access. The Social Security Maximizer estimates suggested claiming dates, personal and spousal benefits, lifetime benefits and taxes, and end-of-life liquid assets. The site describes the calculator as designed for people age 55 and older preparing to retire. However, it is no longer available to new users; access is reserved for individuals and families working directly with Parker Financial LLC, while existing users can continue using accounts for now. Listed premium prices are $9.95 a month, $95 a year, and 195.00 USD for lifetime access. The privacy policy says AI chatbot interactions may be monitored and should not be considered private or confidential.