Best retirement planning software

The options, ranked by fit

1. 1

   WealthScout

   $99 a year USDchecked August 20, 2026

   The pick for: Households that want the forecast to start from figures they already keep current, with owners and extraction tax counted.

   Records shares, property, cash, debt, retirement accounts, income and spending against the owner of each asset, then projects their value over time, calculating tax on returns while assets are held and again when money is paid out to a person.

   Strong at

   • Share and crypto prices update automatically, so your net worth reflects current market values without a bank connection.
   • An owner on every asset, including trusts, companies and retirement structures.
   • Projections use the figures you already track, so you do not retype them.
   • Thirteen countries with local tax treatment.
   • Reports and projections use the same dated figures, so they cannot disagree.

   Where it stops

   • No bank or broker connections. Broker files are imported and checked before they post.
   • No tax returns and no jurisdiction tax reports.
   • Opens to the public country by country.

   WealthScout pricing
2. 2

   ProjectionLab

   $129 a year USDchecked August 20, 2026

   The pick for: Anyone who wants the widest range of forecast tests, including Monte Carlo and past market runs.

   A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan.

   Strong at

   • The broadest set of plan tests of anything here.
   • Strong scenario comparison and charting.
   • Detailed personal tax modelling inside the plan.

   Where it stops

   • Every value is entered and maintained by hand, so the plan becomes out of date between updates.
   • It keeps no ledger of trades, property costs or debt.
   • It does not model an entity's own tax or what extraction costs.

   ProjectionLab pricingProjectionLab vs WealthScout
3. 3

   CompiledSanity

   $7 once USDchecked August 20, 2026

   The pick for: People who would rather own and maintain the model themselves.

   A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned.

   Strong at

   • Bought once, owned forever, updates included.
   • Every formula is open to change.
   • Covers a lot of ground for a few dollars.

   Where it stops

   • A sheet of formulas cannot hold multiple entities and their tax.
   • Rules change every year and the sheet does not.
   • You maintain it.

   AUD $10 once, converted on August 19, 2026CompiledSanity pricingCompiledSanity vs WealthScout
4. 4

   PocketSmith

   $85 a year USDchecked August 20, 2026

   The pick for: People whose planning question is really a cashflow question.

   Cash, budgets and cashflow forecasting driven by bank feeds.

   Strong at

   • Genuinely good cashflow forecasting.
   • Bank feeds in several countries.
   • Budgets and categories done properly.

   Where it stops

   • Cashflow forecasting is not balance sheet projection.
   • No ownership model and no extraction tax.
   • Investments are shallow next to a real portfolio tool.

   AUD $9.99 a month, billed annually, converted on August 19, 2026PocketSmith plansPocketSmith vs WealthScout
5. 5

   Kubera

   $250 a year USDchecked August 20, 2026

   Best for: People holding many hard to price assets who want live links and one total.

   Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts.

   Strong at

   • Very wide asset coverage, including hard to price items.
   • Account links in many countries.
   • A beneficiary handover tool.

   Where it stops

   • It records a balance without recording who owns the asset.
   • It cannot project your net worth into the future.
   • No budgeting, and no free plan.

   Kubera pricingKubera vs WealthScout
6. 6

   Finary

   $64 a year USDchecked August 20, 2026

   Best for: European investors who want linked accounts and a clean total.

   Linked accounts and a well-made net worth view, strongest in Europe.

   Strong at

   • Strong account connection coverage in Europe.
   • A clear, well-designed net worth view.
   • A usable free plan.

   Where it stops

   • Absent on ownership and on entities.
   • No real forecasting.
   • Coverage thins outside Europe.

   EUR 54.99 a year, converted on August 19, 2026Finary pricingFinary vs WealthScout

Questions people ask

What is the best FIRE calculator?

For depth of simulation, ProjectionLab. For a date that starts from your real current figures and counts the tax of getting money out of a trust, company or retirement account, WealthScout.

Do any of these do Monte Carlo?

ProjectionLab does. WealthScout compares named scenarios, dated changes and drawdown order rather than running simulations.

Is a spreadsheet good enough?

Often, for a while. It stops being good enough when you hold assets through more than one entity, or when disposal and extraction tax start to matter, because those rules change every year and the sheet does not.