退休规划应用对比
没有绝对最好的应用：取决于您的需要。每个应用的信息都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，请在阅读我们这一行时考虑到这一点。
关于其他应用的部分为英文，与其自己的页面一致。
按国家
| 应用 | 免费方案 | 价格 | 蒙特卡洛模拟 |
|---|---|---|---|
| Family Office（我们的） | 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 £12 至 £49（$15 至 $59，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 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 对比 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 对比 Fidelity | UK calculator: an anonymous short quiz | No fee to generate a plan | US planner: yes |
| Family Office 对比 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 对比 Monarch | 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 | 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: 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 | None; a 14-day trial, card needed | MaxiFi Unlocked $149 a year | Living Standard Monte Carlo on MaxiFi Unlocked |
| Family Office 对比 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 对比 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 对比 Adviice | 未说明 | $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 对比 电子表格 | 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.
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。