Best Retirement Planning Software in 2026
Updated
In short: Boldin is ranked #1 of 26 as of 4 October 2026, ahead of ProjectionLab and MaxiFi. The best-ranked option with a free plan is ProjectionLab. The lowest first paid tier on this page is Retirement Budget Calculator at $7.92/mo.
Planning for retirement can mean examining future income, savings growth and how withdrawals may affect a plan. These ranked tools are compared on income and savings growth projections, scenario analysis, withdrawal planning, Social Security modeling and tax modeling. Account synchronization, free plans and paid-from pricing are also part of the comparison. Boldin, ProjectionLab and MaxiFi are among the first entries. Consider which projections address the questions you have, whether you want to explore different scenarios, and how important it is to synchronize accounts. Comparing these features together can help you focus on the planning tasks that fit your approach.
26 retirement planning software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 Boldin iPhone + Android RecognisedPhone appDocumentedFree plan 7.9$12/mo Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 2 ProjectionLab iPhone + Android RecognisedPhone appDocumentedFree plan 7.9$10.75/mo Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 3 MaxiFi iPhone + Android RecognisedPhone appDocumentedFree plan 6.7$12.42/mo Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 4 Retirement Budget Calculator No phone app RecognisedPhone appDocumentedFree plan 6.4$7.92/mo Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 5 Fidelity Planning & Guidance Center No phone app RecognisedPhone appDocumentedFree plan 6.3Free Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 6 Flexible Retirement Planner No phone app RecognisedPhone appDocumentedFree plan 6.3Free Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 7 Retireator No phone app RecognisedPhone appDocumentedFree plan 6.3Free Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 8 RetireePlan No phone app RecognisedPhone appDocumentedFree plan 6.3Free Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 9 T. Rowe Price Retirement Income Calculator No phone app RecognisedPhone appDocumentedFree plan 5.9 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 10 driftcurve No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 11 FI Calc No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 12 FIRECalc No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: NoSavings growth projection: YesWithdrawal planning: Yes
- 13 RetireGolden No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 14 Retiris No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 15 Scenarios No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 16 SquirrelPlan No phone app RecognisedPhone appDocumentedFree plan 5.4 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 17 Covisum Income InSight No phone app RecognisedPhone appDocumentedFree plan 5.3 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 18 Moneysmart Retirement Planner No phone app RecognisedPhone appDocumentedFree plan 5.3 Income projection: YesSavings growth projection: Yes
- 19 RetireSecure No phone app RecognisedPhone appDocumentedFree plan 5.3 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 20 Income Lab No phone app RecognisedPhone appDocumentedFree plan 5.2 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 21 Income Solver No phone app RecognisedPhone appDocumentedFree plan 5.2 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 22 IncomePro No phone app RecognisedPhone appDocumentedFree plan 5.2 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 23 The Complete Retirement Planner No phone app RecognisedPhone appDocumentedFree plan 5.2 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 24 WealthTrace No phone app RecognisedPhone appDocumentedFree plan 5.2 Income projection: YesSavings growth projection: YesWithdrawal planning: Yes
- 25 MoneyHelper Retirement Budget Planner No phone app RecognisedPhone appDocumentedFree plan 5.1
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which retirement planning software is ranked first on Samsung Mobile US Press?
Boldin is ranked #1 of 26 with a score of 7.9. ProjectionLab is second and MaxiFi third.
How many of these have a free plan?
7 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 mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.