Best Retirement Planning Software in 2026
Updated
In short: Boldin is ranked #1 of 26 as of 4 October 2026, ahead of ProjectionLab and RetireePlan. The best-ranked option with a free plan is ProjectionLab. The lowest first paid tier on this page is Retirement Budget Calculator at $7.92/mo.
Planning for retirement means weighing future income against savings, taxes, and the timing of withdrawals. Compared on account synchronization, income projection, savings growth projection, and scenario analysis, these tools can help you explore different parts of that planning picture. Social Security modeling, tax modeling, and withdrawal planning add further dimensions to compare; free-plan availability and paid-from pricing offer cost context. Boldin, ProjectionLab, and MaxiFi are among the options to review. Consider which assumptions and questions you want to model, whether connecting accounts matters to your process, and which projection features are most relevant to your plans.
26 retirement planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Retirement Planning Software, ranked on how quickly a newcomer can get going. 9 of the 25 on this page can be tried for free.
- 1 BoldinPaid from $12/mo
- Free to practise on: yes
- Free trial: yes
- Well documented: yes
- Runs where you work: yes
- 2 ProjectionLabPaid from $10.75/mo
- Free to practise on: yes
- Free trial: yes
- Well documented: yes
- Runs where you work: yes
- 3 RetireePlanFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 4 Flexible Retirement PlannerFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 5 MaxiFiPaid from $12.42/mo
- Free to practise on: not on record
- Free trial: yes
- Well documented: yes
- Runs where you work: yes
- 6 Retirement Budget CalculatorPaid from $7.92/mo
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 7 RetireatorFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 8 Fidelity Planning & Guidance CenterFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 9 T. Rowe Price Retirement Income Calculator
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 10 driftcurve
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 11 FI CalcFree plan
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 12 FIRECalc
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 13 RetireGolden
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 14 Retiris
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 15 Scenarios
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 16 SquirrelPlan
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 17 Covisum Income InSight
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 18 Moneysmart Retirement Planner
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 19 RetireSecure
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 20 The Complete Retirement Planner
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 21 Income Lab
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 22 Income Solver
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 23 IncomePro
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 24 MoneyHelper Retirement Budget Planner
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 25 RetirementView
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
Compare all 25 in a table
| # | Platform | Score | Free plan | From | Free plan | Paid from | Income projection | Savings growth projection |
|---|---|---|---|---|---|---|---|---|
| 1 | Boldin | 7.8 | Free plan | $12/mo | Yes | — | Yes | Yes |
| 2 | ProjectionLab | 7.8 | Free plan | $10.75/mo | Yes | — | Yes | Yes |
| 3 | RetireePlan | 7.3 | Free plan | Free | Yes | — | Yes | Yes |
| 4 | Flexible Retirement Planner | 7.2 | Free plan | Free | Yes | — | Yes | Yes |
| 5 | MaxiFi | 7.2 | No | $12.42/mo | No | — | Yes | Yes |
| 6 | Retirement Budget Calculator | 7.2 | Free plan | $7.92/mo | Yes | 9.95 /mo | Yes | Yes |
| 7 | Retireator | 7.1 | Free plan | Free | Yes | — | Yes | Yes |
| 8 | Fidelity Planning & Guidance Center | 7.0 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | T. Rowe Price Retirement Income Calculator | 6.5 | No | — | Yes | — | Yes | Yes |
| 10 | driftcurve | 5.9 | No | — | Yes | — | Yes | Yes |
| 11 | FI Calc | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 12 | FIRECalc | 5.9 | No | — | Yes | — | No | Yes |
| 13 | RetireGolden | 5.9 | No | — | Yes | — | Yes | Yes |
| 14 | Retiris | 5.9 | No | — | Yes | — | Yes | Yes |
| 15 | Scenarios | 5.9 | No | — | Yes | — | Yes | Yes |
| 16 | SquirrelPlan | 5.9 | No | — | Yes | — | Yes | Yes |
| 17 | Covisum Income InSight | 5.8 | No | — | No | 119.99 /mo | Yes | Yes |
| 18 | Moneysmart Retirement Planner | 5.8 | No | — | Yes | — | Yes | Yes |
| 19 | RetireSecure | 5.8 | No | — | Yes | — | Yes | Yes |
| 20 | The Complete Retirement Planner | 5.8 | No | — | No | — | Yes | Yes |
| 21 | Income Lab | 5.7 | No | — | No | 199 /mo | Yes | Yes |
| 22 | Income Solver | 5.6 | No | — | No | — | Yes | Yes |
| 23 | IncomePro | 5.6 | No | — | No | 99 /mo | Yes | Yes |
| 24 | MoneyHelper Retirement Budget Planner | 5.6 | No | — | Yes | — | — | — |
| 25 | RetirementView | 5.6 | No | — | No | — | Yes | Yes |
Is your platform on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which retirement planning software is ranked first on The Geeks Club?
Boldin is ranked #1 of 26 with a score of 7.8. ProjectionLab is second and RetireePlan third.
How many of these have a free plan?
8 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Retirement Budget Calculator has the lowest first paid tier we found: $7.92/mo.
How is this list ranked?
Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on.