The Finance Base / Retirement planning tools / RetireGolden
retiregolden.app
RetireGolden
RetireGolden is a free, open-source retirement-planning calculator that runs on the web. It models savings, income, spending, withdrawals, account balances and retirement cash flows over time, allowing you to compare scenarios. Its planning features include Social Security, Roth conversions,…
Visit retiregolden.app ↗ What it costs
- 6.9 No. 18on Retirement planning tools
- Free planprice, as published
- Oct 7, 2026read on
What RetireGolden costs
- Free Free
As retiregolden.app publishes them, read Oct 7, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 11
Strengths and limits
Strengths
- Models income, savings, withdrawals and retirement cash flows
- Includes Social Security, Roth conversions and healthcare costs
- Imports broker, spreadsheet and tax-return files on-device
- Offers Monte Carlo risk analysis with optional shocks
- Free and open-source under AGPL-3.0
Limits
- No account or server backup for plans
- Cleared browser data can permanently remove plans
- Tax estimates are not for filing returns
- Monte Carlo outputs use a simplified model
Facts we read
- BackupsPlans 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, Oct 7, 2026
- Import optionsThe 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, Oct 7, 2026
- Intended useThe product is intended to help users compare choices and understand trade-offs, not to provide personalized financial, tax, or legal advice. · retiregolden.app, Oct 7, 2026
- LicenseThe disclaimer identifies RetireGolden as free and open-source software licensed under AGPL-3.0. · retiregolden.app, Oct 7, 2026
- LimitsTax 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, Oct 7, 2026
- PrivacyThe product has no accounts or server-side plan storage; entered data stays in the user's browser on the device. · retiregolden.app, Oct 7, 2026
- ProjectionsIt models account balances, income, spending, withdrawals, and retirement cash flows to help compare scenarios. · retiregolden.app, Oct 7, 2026
- Risk analysisRisk tools include Monte Carlo market paths, with optional longevity variation and long-term-care shock. · retiregolden.app, Oct 7, 2026
- SupportBecause there is no server copy of a plan, support cannot inspect it unless the user chooses to share a report or details. · retiregolden.app, Oct 7, 2026
- Tax and retirement featuresIt models Social Security, Roth conversions, healthcare costs, and federal and state taxes at planning precision. · retiregolden.app, Oct 7, 2026
On these lists
Use instead
- 1
ProjectionLab
Free plan · paid from $129/yr · 7-day trial
8.7 Visit ↗ - 2
Boldin
Free plan · paid from $144/yr · 14-day trial
8.7 Visit ↗ - 3
MaxiFi
From $109/yr
8.0 Visit ↗ - 4
Retireator
Free plan
7.9 Visit ↗ - 5
driftcurve
Free plan
7.8 Visit ↗ - 6
Flexible Retirement Planner
Free plan
7.7 Visit ↗
Verdict
RetireGolden combines detailed retirement scenario modeling with browser-only data storage. Its free, open-source approach suits planning and comparison, provided you maintain your own JSON backups and treat outputs as estimates.
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