Best Retirement Planning Software in 2026
Updated
In short: ProjectionLab is ranked #1 of 26 as of 4 October 2026, ahead of RetireePlan and Retirement Budget Calculator. The best-ranked option with a free plan is RetireePlan. The lowest first paid tier on this page is Retirement Budget Calculator at $7.92/mo.
Planning retirement means testing how income, savings, and withdrawals could fit together under different assumptions. Compared on income projection, savings growth projection, withdrawal planning, and scenario analysis, these tools also vary in Social Security and tax modeling. Account synchronization may matter if you want financial information connected; check free-plan availability and paid-from pricing as well. ProjectionLab, RetireePlan, and Retirement Budget Calculator are among the options to consider. Focus on which projections answer your questions and which planning dimensions you want to explore.
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, one module each. A lit port is something its maker publishes; 2 of the 25 on this page have a public API.
- 01 ProjectionLab API yesOSS not on recordFREE yesDOCS 7.3$10.75/mo
- 02 RetireePlan API yesOSS not on recordFREE yesDOCS 7.3Free
- 03 Retirement Budget Calculator API not on recordOSS not on recordFREE yesDOCS 6.0$7.92/mo
- 04 Boldin API not on recordOSS not on recordFREE yesDOCS 5.9$12/mo
- 05 FI Calc API not on recordOSS not on recordFREE yesDOCS 5.9Free
- 06 Fidelity Planning & Guidance Center API not on recordOSS not on recordFREE yesDOCS 5.9Free
- 07 Flexible Retirement Planner API not on recordOSS not on recordFREE yesDOCS 5.9Free
- 08 Retireator API not on recordOSS not on recordFREE yesDOCS 5.9Free
- 09 T. Rowe Price Retirement Income Calculator API not on recordOSS not on recordFREE not on recordDOCS 5.6
- 10 MaxiFi API not on recordOSS not on recordFREE not on recordDOCS 5.4$12.42/mo
- 11 driftcurve API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 12 FIRECalc API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 13 RetireGolden API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 14 Retiris API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 15 Scenarios API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 16 SquirrelPlan API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 17 Covisum Income InSight API not on recordOSS not on recordFREE not on recordDOCS 5.1
- 18 Income Lab API not on recordOSS not on recordFREE not on recordDOCS 5.1
- 19 Moneysmart Retirement Planner API not on recordOSS not on recordFREE not on recordDOCS 5.1
- 20 RetireSecure API not on recordOSS not on recordFREE not on recordDOCS 5.1
- 21 The Complete Retirement Planner API not on recordOSS not on recordFREE not on recordDOCS 5.1
- 22 Income Solver API not on recordOSS not on recordFREE not on recordDOCS 5.0
- 23 IncomePro API not on recordOSS not on recordFREE not on recordDOCS 5.0
- 24 MoneyHelper Retirement Budget Planner API not on recordOSS not on recordFREE not on recordDOCS 5.0
- 25 RetirementView API not on recordOSS not on recordFREE not on recordDOCS 5.0
Compare all 25 in a table
| # | Platform | Score | Free plan | From | Free plan | Paid from | Income projection | Savings growth projection |
|---|---|---|---|---|---|---|---|---|
| 1 | ProjectionLab | 7.3 | Free plan | $10.75/mo | Yes | — | Yes | Yes |
| 2 | RetireePlan | 7.3 | Free plan | Free | Yes | — | Yes | Yes |
| 3 | Retirement Budget Calculator | 6.0 | Free plan | $7.92/mo | Yes | 9.95 /mo | Yes | Yes |
| 4 | Boldin | 5.9 | Free plan | $12/mo | Yes | — | Yes | Yes |
| 5 | FI Calc | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 6 | Fidelity Planning & Guidance Center | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 7 | Flexible Retirement Planner | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 8 | Retireator | 5.9 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | T. Rowe Price Retirement Income Calculator | 5.6 | No | — | Yes | — | Yes | Yes |
| 10 | MaxiFi | 5.4 | No | $12.42/mo | No | — | Yes | Yes |
| 11 | driftcurve | 5.2 | No | — | Yes | — | Yes | Yes |
| 12 | FIRECalc | 5.2 | No | — | Yes | — | No | Yes |
| 13 | RetireGolden | 5.2 | No | — | Yes | — | Yes | Yes |
| 14 | Retiris | 5.2 | No | — | Yes | — | Yes | Yes |
| 15 | Scenarios | 5.2 | No | — | Yes | — | Yes | Yes |
| 16 | SquirrelPlan | 5.2 | No | — | Yes | — | Yes | Yes |
| 17 | Covisum Income InSight | 5.1 | No | — | No | 119.99 /mo | Yes | Yes |
| 18 | Income Lab | 5.1 | No | — | No | 199 /mo | Yes | Yes |
| 19 | Moneysmart Retirement Planner | 5.1 | No | — | Yes | — | Yes | Yes |
| 20 | RetireSecure | 5.1 | No | — | Yes | — | Yes | Yes |
| 21 | The Complete Retirement Planner | 5.1 | No | — | No | — | Yes | Yes |
| 22 | Income Solver | 5.0 | No | — | No | — | Yes | Yes |
| 23 | IncomePro | 5.0 | No | — | No | 99 /mo | Yes | Yes |
| 24 | MoneyHelper Retirement Budget Planner | 5.0 | No | — | Yes | — | — | — |
| 25 | RetirementView | 5.0 | 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 Inferse?
ProjectionLab is ranked #1 of 26 with a score of 7.3. RetireePlan is second and Retirement Budget Calculator 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 what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it.