Aplicações de planeamento da reforma comparadas
Não há uma única aplicação melhor: depende do que precisa. Os factos sobre cada aplicação vêm das suas próprias páginas públicas; os do Family Office vêm do seu próprio código. Somos nós que fazemos o Family Office: leia a nossa linha sabendo disso.
As partes sobre as outras aplicações estão em inglês, como as suas próprias páginas.
Por país
| Aplicação | Plano gratuito | Preço | Simulação de Monte Carlo |
|---|---|---|---|
| Family Office (o nosso) | Sim, sem cartão e sem limite de tempo: até 8 itens, um contribuinte e uma projeção de 5 períodos. Os planos pagos começam com 14 dias grátis, com cartão. As calculadoras são gratuitas, sem conta. | De 12 £ a 49 £ por mês (15 $ a 59 $, 20 CA$ a 79 CA$); um ano custa o preço de 10 meses | A probabilidade de sucesso em todos os planos, incluindo o gratuito; as trajetórias e o gráfico em leque nos planos Gold e Platinum |
| Family Office comparado com 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 |
| Family Office comparado com 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 |
| Family Office comparado com Fidelity | UK calculator: an anonymous short quiz | No fee to generate a plan | US planner: yes |
| Family Office comparado com 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 |
| Family Office comparado com Monarch | None listed; the first week is free | $14.99 a month or $99.99 a year; Monarch Plus $199 a year | Não indicado |
| Family Office comparado com 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 |
| Family Office comparado com 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 |
| Family Office comparado com MaxiFi | None; a 14-day trial, card needed | MaxiFi Unlocked $149 a year | Living Standard Monte Carlo on MaxiFi Unlocked |
| Family Office comparado com 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 |
| Family Office comparado com 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 |
| Family Office comparado com Adviice | Não indicado | $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 |
| Family Office comparado com uma folha de cálculo | 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.
Uma folha de cálculo
A spreadsheet suits someone who wants to see and change every formula, and is happy to build and update them.
Factos sobre outras aplicações verificados a 2026-11-10. Os preços e as funcionalidades mudam: a página de cada aplicação é a referência.