Flexible Retirement Planner vs IncomePro
Flexible Retirement Planner
flexibleretirementplanner.com
IncomePro
incomepro.orgSide by side
| Figure | Flexible Retirement Planner | IncomePro |
|---|---|---|
| Price from | Free | $99/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| Plans published | 2 | 3 |
| Spec score · Retirement Planning Software | 8.8 (#5) | 7.9 (#10) |
| Purpose | The planner uses Monte Carlo simulation to model retirement outcomes and reports a probability of success. | IncomePro is a software-as-a-service platform for financial advisors to create income allocation plans, retirement projections, and client reports. |
| Security | The license agreement says the website may not be continuously available, secure, or private and makes no guarantee that use will be uninterrupted or error-free. | The privacy policy says data in transit uses 256-bit TLS encryption, data at rest uses AES-256, and advisor records are isolated with database-level row-level security. |
| Support | The maker directs users with launch errors to contact support by email and also invites questions through its support forum. | The Starter plan includes email support, Professional includes priority support, and Enterprise includes dedicated support. |
Plans
Flexible Retirement Planner
- Personal EditionFree
- Personal useFree
In their own words
Flexible Retirement Planner
Flexible Retirement Planner models retirement outcomes with Monte Carlo simulation and reports the probability that a plan succeeds. It runs 10,000 simulated paths spanning savings accumulation and retirement spending. Users can compare Stable, Flexible, and Conservative spending policies, test different assumptions, and use sensitivity analysis to see which inputs affect results most. The standalone version lets users save inputs and maintain multiple what-if scenarios, and it works offline. The planner includes income and savings growth projections, withdrawal planning, detailed tax modeling, and Social Security modeling. Standalone downloads are provided for Windows and Mac/Linux; the Windows version does not require Java. The planner is free for individual non-commercial use, and educators and trainers may use it for educational purposes. A voluntary contribution of any amount unlocks a personal-use license key. Commercial use, including by financial planners, is not authorized or supported. Its maker, Random Walk Ventures LLC, created it in 2006.