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Retireator

FromFree

Free planYes

Rank#6/26

Runs onWeb, Windows Score6.8

Retireator is ranked #6 of 26 in retirement planning tools on The Finance Base. It runs on Web, Windows. There is a free plan.

Retireator plans and pricing

All plans

Free Free Free, open-source retirement simulator retireator.org · 30 Sept 2026

Compared on retirement planning tools

Free plan: Yes
Income projection: Yes
Savings growth projection: Yes
Withdrawal planning: Yes
Tax modeling: detailed
Social Security modeling: Yes
Scenario analysis: Yes
Account synchronization: none

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The record

Purpose: Retireator is a retirement simulator focused on short- and medium-term financial planning.
Format: The simulator is written in Microsoft Excel and is open source.
Planning scenarios: Users can build and test retirement drawdown strategies using different retirement income sources over a period of years.
Taxes and Social Security: The simulator includes calculations and extrapolations for Social Security benefits and federal and state income taxes.
Economy: Listed economic features include wage and consumer price inflation, stocks and bonds, and past and future market conditions.
Income and finances: Listed income and finance features include employer, self-employment and passive income, defined benefit pensions, debt, and net worth calculation.
Portfolio: Listed portfolio features include investment strategies such as target date funds and accounts including 401(k), 403(b), and IRAs.
Annuities: The simulator lists life, period-certain, immediate, deferred, fixed, variable, indexed, inflation-adjusted, and joint and survivor annuities.
Social Security detail: Listed Social Security features include spousal benefits for a current spouse, survivor benefits, early retirement reductions, and delayed retirement credits.
Housing and expenses: Listed expense features include mortgage payment and amortization calculations, reverse mortgage calculations, and lump-sum and one-time expense scheduling.
Tax features: Listed tax features include payroll, federal, self-employment, state, and long-term capital gains taxes, plus taxes on annuities and Social Security.
Release history: The maker's release archive lists version 2025.1223 as released on December 23, 2025.
Price from: Free

Where it ranks on The Finance Base

Best Retirement Planning Tools in 2026#6 of 26

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Sources

retireator.org· checked 30 Sept 2026
retireator.org/features/· checked 30 Sept 2026
retireator.org/category/uncategorized/· checked 30 Sept 2026