Flexible Retirement Planner
Ranked in Retirement Planning Software ·Free plan
About
Flexible Retirement Planner uses Monte Carlo simulation to model retirement outcomes and report a probability of success. It runs 10,000 simulated paths through both savings accumulation and spending phases. Users can choose Stable, Flexible, or Conservative spending policies, run sensitivity analysis to see which inputs have the most impact, and manage multiple what-if scenarios in the standalone version. The planner supports income and savings growth projections, withdrawal planning, detailed tax modeling, and Social Security modeling. Its standalone application runs offline, with downloads for Windows and for Mac/Linux; the Windows version does not require Java. Personal use is 0.00 USD per free for individuals using it non-commercially, 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. The license agreement cautions that the website may not always be available, secure, or private, and does not guarantee uninterrupted or error-free use.
Who it is for
This planner suits individuals exploring retirement assumptions through simulated outcomes, scenario management, and sensitivity analysis. It is not authorized or supported for commercial use, including by financial planners.
What is good
- Runs 10,000 simulated retirement paths.
- Offers three retirement spending policies.
- Standalone version supports multiple what-if scenarios.
- Standalone planner runs without an internet connection.
What to know first
- Commercial use is not authorized or supported.
- Website availability, security, and privacy are not guaranteed.
Verdict
Flexible Retirement Planner combines retirement projections with scenario and sensitivity analysis, including offline standalone use. Its stated use is personal and educational rather than commercial.
Compared on retirement planning software
- Free plan
- Yesflexibleretirementplanner.com
- Income projection
- Yesflexibleretirementplanner.com
- Savings growth projection
- Yesflexibleretirementplanner.com
- Withdrawal planning
- Yesflexibleretirementplanner.com
- Tax modeling
- detailedflexibleretirementplanner.com
- Social Security modeling
- Yesflexibleretirementplanner.com
- Scenario analysis
- Yesflexibleretirementplanner.com
Facts
- Purpose
- The planner uses Monte Carlo simulation to model retirement outcomes and reports a probability of success.flexibleretirementplanner.com · 29 Sept 2026
- Simulation
- It runs 10,000 simulated retirement paths covering both accumulation and spending phases.flexibleretirementplanner.com · 29 Sept 2026
- Spending policies
- Users can choose Stable, Flexible, or Conservative retirement spending policies.flexibleretirementplanner.com · 29 Sept 2026
- Sensitivity analysis
- The planner supports sensitivity analysis to show which inputs have the most impact on a plan.flexibleretirementplanner.com · 29 Sept 2026
- Offline use
- The standalone planner runs without an internet connection.flexibleretirementplanner.com · 29 Sept 2026
- Platform details
- The maker provides standalone downloads for Windows and for Mac/Linux; its Windows standalone version does not require Java.flexibleretirementplanner.com · 29 Sept 2026
- Commercial use
- The planner is intended for personal educational use and is not authorized or supported for commercial use, including by financial planners.flexibleretirementplanner.com · 29 Sept 2026
- Support
- The maker directs users with launch errors to contact support by email and also invites questions through its support forum.flexibleretirementplanner.com · 29 Sept 2026
- 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.flexibleretirementplanner.com · 29 Sept 2026
- Company and history
- Random Walk Ventures LLC created the planner in 2006; Jim Richmond is the company’s founder and president.flexibleretirementplanner.com · 29 Sept 2026
Company
- Founded
- 2006flexibleretirementplanner.com · 28 Sept 2026
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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