مقارنة تطبيقات تخطيط التقاعد
لا يوجد تطبيق واحد هو الأفضل: الأمر يتوقف على ما تحتاجه. المعلومات عن كل تطبيق مأخوذة من صفحاته العامة؛ ومعلومات المكتب العائلي مأخوذة من شيفرته. نحن من يصنع المكتب العائلي، فاقرأ سطرنا وأنت تعلم ذلك.
الأجزاء التي تتناول التطبيقات الأخرى مكتوبة بالإنجليزية، كما هي صفحاتها.
حسب البلد
| التطبيق | الخطة المجانية | السعر | محاكاة مونت كارلو |
|---|---|---|---|
| المكتب العائلي (تطبيقنا) | نعم، بلا بطاقة وبلا حد زمني: حتى 8 بنود، ودافع ضرائب واحد، وتوقعات على 5 فترات. وتبدأ الخطط المدفوعة بفترة مجانية مدتها 14 يوما وتحتاج إلى بطاقة. الحاسبات مجانية ولا تحتاج إلى حساب. | من 12 إلى 49 جنيها إسترلينيا شهريا (من 15 إلى 59 دولارا أمريكيا، ومن 20 إلى 79 دولارا كنديا)؛ والسنة تكلف ثمن 10 أشهر | احتمال النجاح في كل الخطط، ومنها الخطة المجانية؛ والمسارات والمخطط المروحي في خطتي Gold و Platinum |
| المكتب العائلي مقابل WealthR | Yes: net worth, the UK tax calculator, the Monte Carlo chance, one property, one asset group and 12 months of history | Pro GBP 5.99 a month or GBP 39.99 a year; 7-day free trial | 5,000 simulated futures: the chance your money lasts is free, the full simulator is on Pro |
| المكتب العائلي مقابل Delphina | Yes, with no time limit and no card: a 5-year forecast, up to five assets, one portfolio, no data export | Wealth Builder GBP 9.99 a month, Investor GBP 19.99 a month | On Investor |
| المكتب العائلي مقابل Fidelity | UK calculator: an anonymous short quiz | No fee to generate a plan | US planner: yes |
| المكتب العائلي مقابل ProjectionLab | Yes: forecasting, Monte Carlo and historical backtesting | Premium $129 a year; Pro $549 a year for advisers | Yes, on every plan, with historical backtesting |
| المكتب العائلي مقابل Monarch | None listed; the first week is free | $14.99 a month or $99.99 a year; Monarch Plus $199 a year | غير مذكور |
| المكتب العائلي مقابل Boldin | Yes: Basic is free | PlannerPlus $14 a month or $168 a year, 14-day free trial; Boldin Advisors $3,200 flat fee | On PlannerPlus |
| المكتب العائلي مقابل Empower | 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 |
| المكتب العائلي مقابل MaxiFi | None; a 14-day trial, card needed | MaxiFi Unlocked $149 a year | Living Standard Monte Carlo on MaxiFi Unlocked |
| المكتب العائلي مقابل Pralana | 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 |
| المكتب العائلي مقابل Optiml | Optiml Lite, a free calculator: its data is processed locally and never stored on Optiml's servers; 14 days free on the paid plans | Essentials CAD 9.99 a month or 99 a year; Pro+ CAD 24.99 or 249; Legacy CAD 49.99 or 499 | A Success Score from up to 50 Monte Carlo scenarios and six market histories, on Pro+ and Legacy |
| المكتب العائلي مقابل Adviice | غير مذكور | $9 a month or $49 a year | A stress test that gives the plan's success rate; its help page prefers historical periods to Monte Carlo |
| المكتب العائلي مقابل جدول بيانات | Yes: LibreOffice Calc is free | Free with LibreOffice | Possible if you build it |
WealthR
WealthR is built in Edinburgh for self-directed UK investors, still working or retired: net worth, UK tax, pensions and property, entered by hand.
Delphina
Delphina calls itself the UK's personal financial clarity platform: forecasts and goals for UK households, with ISAs, SIPPs and UK tax built in.
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.
Optiml
Optiml is a Canadian retirement planner that optimises withdrawals and tax across the provinces and territories, in English and French, with a Legacy plan for holding companies and trusts.
Adviice
Adviice offers affordable, easy-to-understand retirement planning for everyday Canadians, with optional help from an advice-only planner.
جدول بيانات
A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.
تم التحقق من المعلومات عن التطبيقات الأخرى في 2026-11-10. الأسعار والميزات تتغير: صفحة كل تطبيق هي المرجع.