Retirement Budget Calculator (RBC) is a web tool for estimating retirement budgets, cash flow, taxes, withdrawal strategies, Roth conversions, life expectancy, and net worth. Users can project retirement needs, compare scenarios and withdrawal approaches, and create a cash flow plan. Its free feature list includes a dashboard, retirement timeline, asset and liability tracking, and budgeting. Premium features listed include an advanced dashboard, retirement optimizer, federal 1040 tax estimator, AI retirement assistant Finn, and community access. The Social Security Maximizer estimates possible claiming dates, personal and spousal benefits, lifetime benefits and taxes, and end-of-life liquid assets. The site describes its audience as people 55 and older preparing for retirement. However, RBC is no longer open 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 options include 9.95 USD per month, 95.00 USD per year, and 195.00 USD for lifetime access. The privacy policy says chatbot interactions may be monitored and should not be treated as private or confidential.
Who it is for
The tool is described for people age 55 and older preparing to enter retirement, especially those who need to model budgets, taxes, or claiming strategies. Access is currently limited to existing users and people working directly with Parker Financial LLC.
What is good
- Projects retirement budgets and cash flow
- Compares scenarios and withdrawal strategies
- Includes asset and liability tracking
- Social Security estimates include spousal benefits
- Premium includes a federal 1040 tax estimator
What to know first
- No longer available to new users generally
- Chatbot interactions may be monitored
- Privacy policy limits intended audience to U.S. users over 18
Verdict
RBC lists budgeting and retirement-planning features across free and premium tiers. Its restricted access and stated limits on chatbot privacy are important considerations before using it.
Retirement Budget Calculator plans and pricing
All plansCompared on retirement planning software
- Free plan
- Yes
- Paid from
- $9.95/mo
- Income projection
- Yes
- Savings growth projection
- Yes
- Withdrawal planning
- Yes
- Tax modeling
- detailed
- Social Security modeling
- Yes
- Scenario analysis
- Yes
- Account synchronization
- none
