Flexible Retirement Planner

7.2easy start · #4 of 26
in Retirement Planning Software

Free to practise onyes
Free trialnot on record
Well documentedyes
Runs where you workyes

Runs on Linux, Mac, Web, Windows.

Flexible Retirement Planner is ranked #4 of 26 in retirement planning software on The Geeks Club. It runs on Linux, macOS, Web, Windows. There is a free plan.

Flexible Retirement Planner plans and pricing

All plans

Personal use Free Free for individual non-commercial use · educators and trainers may use it free for educational purposes · voluntary contribution of any amount unlocks a personal-use license key flexibleretirementplanner.com · 29 Sept 2026

Compared on retirement planning software

Free plan: Yes
Income projection: Yes
Savings growth projection: Yes
Withdrawal planning: Yes
Tax modeling: detailed
Social Security modeling: Yes
Scenario analysis: Yes

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The record

Purpose: The planner uses Monte Carlo simulation to model retirement outcomes and reports a probability of success.
Simulation: It runs 10,000 simulated retirement paths covering both accumulation and spending phases.
Spending policies: Users can choose Stable, Flexible, or Conservative retirement spending policies.
Sensitivity analysis: The planner supports sensitivity analysis to show which inputs have the most impact on a plan.
Offline use: The standalone planner runs without an internet connection.
Platform details: The maker provides standalone downloads for Windows and for Mac/Linux; its Windows standalone version does not require Java.
Commercial use: The planner is intended for personal educational use and is not authorized or supported for commercial use, including by financial planners.
Support: The maker directs users with launch errors to contact support by email and also invites questions through its support forum.
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.
Company and history: Random Walk Ventures LLC created the planner in 2006; Jim Richmond is the company’s founder and president.
Founded: 2006
Price from: Free

Where it ranks on The Geeks Club

Best Retirement Planning Software in 2026#4 of 26

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Sources

flexibleretirementplanner.com/wp/documentation/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/documentation/spending-policies/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/planner-launch-page/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/download/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/licensing/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/software-licensing-agreement/· checked 29 Sept 2026
flexibleretirementplanner.com/wp/about-us/· checked 29 Sept 2026
flexibleretirementplanner.com· checked 28 Sept 2026