This site compares software tools — not financial advice. Retirement projections depend on assumptions that may not reflect your situation. Consult a qualified financial advisor. UK readers: see MoneyHelper.org.uk.
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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.

9

/ 10

Boldin

Best for: Pre-retirees doing serious tax-optimisation and Roth conversion modelling

$0 (free tier) / $120/yr (PlannerPlus monthly) / $144/yr (annual)

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8.5

/ 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

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8

/ 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)

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7.5

/ 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)

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7

/ 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)

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