Retirement Planning Tool Reviews
All tools tested hands-on. Prices verified from vendor pages. Ranked by use-case fit, not affiliate payout. Edited by Max.
/ 10
Boldin
Best for: Pre-retirees doing serious tax-optimisation and Roth conversion modelling
$0 (free tier) / $120/yr (PlannerPlus monthly) / $144/yr (annual)
/ 10
ProjectionLab
Best for: FIRE aspirants and DIY modelers who prioritise Monte Carlo simulation accuracy and scenario UI
$0 (free tier) / $109/yr (Premium) / $799 lifetime
/ 10
Maxifi
Best for: High earners (over $200K) with complex equity comp, deferred comp, or multi-account stacking
$149/yr (basic) to $309/yr (full)
/ 10
Betterment
Best for: Hands-off investing with automatic rebalancing and tax-loss harvesting — not for active scenario modelling
0.25% AUM (digital) / 0.40% AUM (premium)
/ 10
Personal Capital (Empower)
Best for: Aggregating all accounts in one dashboard and tracking net worth — not for deep retirement modelling
Free (dashboard) / 0.49-0.89% AUM (advisory services)