退休规划应用对比：美国
没有绝对最好的应用：取决于您的需要。这里的每个应用都可用于这个国家的规划；其信息来自其自己的公开页面，Family Office 的信息来自其自身代码。Family Office 是我们开发的，请在阅读我们的内容时考虑到这一点。
关于其他应用的部分为英文，与其自己的页面一致。
Family Office 在这个国家涵盖的内容
| 美国税务 | 联邦和州所得税（51 种税制，每个州和哥伦比亚特区各一种）、资本利得和股息（含净投资收入税）、社会保障按 85% 计税（法定上限）以及 Medicare 保费的 IRMAA，在计划中逐年计算；联邦遗产税按计划留下的遗产计算 |
|---|---|
| 养老金 | 401(k)、Roth 401(k)、IRA、Roth IRA、529 和社会保障；其他养老收入按年金处理 |
| 银行连接 | 通过 Plaid（美国）：Premium 方案 2 个，Gold 和 Platinum 方案 10 个 |
| 其他国家 | 34 个国家的 122 种税制；Premium 及以上方案可在计划中从一种迁到另一种 |
| 数据存放地点 | 伦敦的 Amazon Web Services（eu-west-2）；银行连接（Plaid）、付款（Stripe）和地图（Google）通过美国服务商；电子邮件通过 Google Workspace；完整列表见隐私政策 |
并排对比
| 应用 | 银行连接 | 免费方案 | 价格 | 蒙特卡洛模拟 |
|---|---|---|---|---|
| Family Office（我们的） | 通过 Plaid（美国）：Premium 方案 2 个，Gold 和 Platinum 方案 10 个 | 有，无需银行卡，不限时间：最多 8 个项目、一位纳税人，预测 5 个期间。付费方案先免费 14 天，需要银行卡。计算器免费，无需账户。 | 每月 $15 至 $59（£12 至 £49，CA$20 至 CA$79）；按年付费只需 10 个月的价格 | 所有方案（含免费方案）都显示成功概率；Gold 和 Platinum 方案提供路径和扇形图 |
| Family Office 对比 Fidelity | 未说明 | UK calculator: an anonymous short quiz | No fee to generate a plan | US planner: yes |
| Family Office 对比 ProjectionLab | None: no link to your accounts | Yes: forecasting, Monte Carlo and historical backtesting | Premium $129 a year; Pro $549 a year for advisers | Yes, on every plan, with historical backtesting |
| Family Office 对比 Monarch | Yes, through Plaid, Finicity, MX and Spinwheel | None listed; the first week is free | $14.99 a month or $99.99 a year; Monarch Plus $199 a year | 未说明 |
| Family Office 对比 Boldin | Connected accounts on PlannerPlus, through Plaid, MX and Finicity | Yes: Basic is free | PlannerPlus $14 a month or $168 a year, 14-day free trial; Boldin Advisors $3,200 flat fee | On PlannerPlus |
| Family Office 对比 Empower | Yes: connecting accounts is encouraged, not required | Yes: the dashboard and the financial tools are free | Free; Personal Strategy advice for more than $250,000 invested, for a fee | 5,000 simulations |
| Family Office 对比 MaxiFi | 未说明 | None; a 14-day trial, card needed | MaxiFi Unlocked $149 a year | Living Standard Monte Carlo on MaxiFi Unlocked |
| Family Office 对比 Pralana | 未说明 | Bronze is a free download, to be replaced by a free trial of Pralana Online | Online: Platinum $30 sign-up and $99 a year, Family $40 and $159, Pro $50 and $349, Pro 50 $100 and $499; Gold (Excel) $99 a year | 1,000 simulations |
| Family Office 对比 电子表格 | You type or paste the figures | Yes: LibreOffice Calc is free | Free with LibreOffice | Possible if you build it |
Fidelity
Fidelity offers free retirement tools: in the UK, a short anonymous retirement calculator powered by Wealth Wizards; in the US, a Retirement Planner for persons in the US.
ProjectionLab
ProjectionLab is a planning tool with forecasting, Monte Carlo and historical backtesting on its free plan, presets for several countries including the UK, and a Pro plan for advisers.
Monarch
Monarch is a budgeting and net worth app for households in the US and Canada, made to share with a partner or a professional; Monarch Plus adds forecasting and business tracking.
Boldin
Boldin (formerly NewRetirement) is a retirement planner for people in the US, with tools for Social Security, Roth conversions and federal and state tax, and flat-fee advisers.
Empower
Empower's dashboard and Retirement Planner are free tools: the more accounts you connect, the more they show; its advisers manage portfolios of more than $250,000 for a fee.
MaxiFi
MaxiFi Planner is for people in the US: it works out the living standard you can sustain, with federal and state tax, Social Security and a Roth Conversion Optimizer.
Pralana
Pralana is a detailed US retirement planner, online or as an Excel workbook (Gold), for people who want US tax and accounts modelled in depth; Pro plans are for advisers.
电子表格
A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.
其他对比
其他应用的信息核对于 2026-11-10。价格和功能会变化：以各应用自己的页面为准。