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RetireGolden
What it is
RetireGolden is a free, open-source web calculator for modeling retirement savings, income, spending, withdrawals, and taxes over time. It projects account balances and retirement cash flows so users can compare scenarios. Models include Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision. Risk analysis uses Monte Carlo market paths, with optional longevity variation and long-term-care shocks. Users can import a broker CSV, ProjectionLab export, spreadsheet, or prior-year tax return, with imports parsed on-device. There are no accounts or server-side plan copies; entered data remains in the browser on the device. Plans can be exported as JSON backups and imported elsewhere, but cannot be recovered after browser data is cleared or a device changes. Tax estimates are for planning, not filing, and Monte Carlo output describes a simplified model rather than an individual prediction. The software is licensed under AGPL-3.0 and is not personalized financial, tax, or legal advice.
For and against
For
- Free AGPL-3.0 open-source software
- Models Social Security and federal and state taxes
- Monte Carlo risk analysis available
- Imports several planning file formats
- JSON backups support device transfer
Against
- No account synchronization
- Plans cannot be recovered after browser data clears
- Tax estimates are not for filing
- Not personalized financial, tax, or legal advice
The verdict
RetireGolden combines detailed retirement projections with local browser storage and scenario comparison. Users must manage their own backups and treat results as planning estimates rather than predictions or professional advice.
Who it suits
It suits people comparing retirement choices involving savings, withdrawals, taxes, Social Security, and spending. It is useful to users who prefer browser-only storage and open-source software.
Plans and prices
Free
No accounts · Browser-only storage
Read 7 Oct 2026 · retiregolden.app
On the record
- Backups
- Plans can be exported as JSON backups and imported on another device; RetireGolden cannot recover plans after browser data is cleared or a device is changed.retiregolden.app · read 7 Oct 2026
- Import options
- The home page says users can import a broker CSV, a ProjectionLab export, a spreadsheet, or a prior-year tax return, parsed on-device.retiregolden.app · read 7 Oct 2026
- Intended use
- The product is intended to help users compare choices and understand trade-offs, not to provide personalized financial, tax, or legal advice.retiregolden.app · read 7 Oct 2026
- License
- The disclaimer identifies RetireGolden as free and open-source software licensed under AGPL-3.0.retiregolden.app · read 7 Oct 2026
- Limits
- Tax estimates are for planning rather than tax-return filing, and Monte Carlo results are statistics about a simplified model rather than predictions about an individual's life.retiregolden.app · read 7 Oct 2026
- Privacy
- The product has no accounts or server-side plan storage; entered data stays in the user's browser on the device.retiregolden.app · read 7 Oct 2026
- Projections
- It models account balances, income, spending, withdrawals, and retirement cash flows to help compare scenarios.retiregolden.app · read 7 Oct 2026
- Purpose
- RetireGolden is an educational retirement-planning calculator for modeling savings, income, spending, and taxes over time.retiregolden.app · read 7 Oct 2026
- Risk analysis
- Risk tools include Monte Carlo market paths, with optional longevity variation and long-term-care shock.retiregolden.app · read 7 Oct 2026
- Support
- Because there is no server copy of a plan, support cannot inspect it unless the user chooses to share a report or details.retiregolden.app · read 7 Oct 2026
- Tax and retirement features
- It models Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision.retiregolden.app · read 7 Oct 2026
