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Retirement apps?

Posted on 8/21/26 at 7:14 am
Posted by lsu xman
Member since Oct 2006
17047 posts
Posted on 8/21/26 at 7:14 am
Any recs?

Still 10+ yrs away.
Posted by AaronDeTiger
baton rouge
Member since Jun 2014
2599 posts
Posted on 8/21/26 at 8:25 am to
claude.ai
Posted by BestBanker
Member since Nov 2011
19876 posts
Posted on 8/21/26 at 8:30 am to
Posted by TigerIron
Member since Feb 2021
4166 posts
Posted on 8/21/26 at 9:41 am to
Someone, either on here or elsewhere, recommended Boldin. I have not tried it out yet. But it seems to combine a dashboard with an AI tool you can query. They are trying to sell you a subscription, and also CFP services. I am not recommending them but would be interested to hear if others have used it and recommend.
Posted by notsince98
KC, MO
Member since Oct 2012
22513 posts
Posted on 8/21/26 at 9:54 am to
what is a retirement app supposed to do? Entertain you? Keep you physically active?
Posted by Fat Bastard
alter hunter
Member since Mar 2009
94405 posts
Posted on 8/21/26 at 10:00 am to
Posted by tigergal918
Member since Feb 2022
524 posts
Posted on 8/21/26 at 10:03 am to
Chat GPT has been great so far giving me simple estimations/options (I’m 12-15 years out) I love that it can work up limitless scenarios for me. I don’t think I trust it for tax strategy, though.
Posted by TorchtheFlyingTiger
1st coast
Member since Jan 2008
3408 posts
Posted on 8/21/26 at 1:23 pm to
What are you trying to get this app to do?

Plenty of free online calculators offered by brokerages, etc to see.if.you are.on track.

FIRECALC is useful https://www.firecalc.com/

Boldin has a free tier. I recently paid for access to their Roth conversion tools. Small price to pay for another perspective ($144/yr) It allows me to run various scenarios but still got to apply.my own good judgement and educated guesswork for assumptions to choose.
Posted by lsu xman
Member since Oct 2006
17047 posts
Posted on 8/21/26 at 1:50 pm to
Mostly I'm just using my finance calculator app.

Input current data, how much I save yearly, and how much will be in each individual account at 5yrs, 10yrs, 62yo. At 3.5% minimum growth to seek out worse case scenarios. I collect the data then I log it into my word app. I do Max contributions (since last few yrs)

401k
IRA
HYSA
Posted by FortunateSon
Tennessee
Member since Apr 2024
139 posts
Posted on 8/21/26 at 2:30 pm to
The best one, bar none, is Income Lab. It is expensive, though: $50/month. It also takes some time to fully learn all the nuances. But it is extremely powerful and does a great job modeling dynamic withdrawal plans.

Boldin is about 80% as good for $144/year.
Posted by tigergal918
Member since Feb 2022
524 posts
Posted on 8/21/26 at 3:34 pm to
Chat GPT can absolutely do what you want. It built me an entire financial dashboard. I can update inputs anytime.
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
142413 posts
Posted on 8/21/26 at 4:35 pm to
I would use your brokerage retirement calculator
Posted by SG_Geaux
Beautiful St George, LA
Member since Aug 2004
81123 posts
Posted on 8/21/26 at 10:34 pm to
Not sure exactly what you are looking for but Empower is free. You can connect all your accounts and it will show your net worth.

You can also answer retirement questions and it will tell you how good a shape you are in.

The caveat is they will try to call you periodically because they are hoping to get you into their CFP products, but I have never answered them.
Posted by whiskey over ice
Member since Sep 2020
3811 posts
Posted on 8/22/26 at 12:27 am to
Projection Lab and Boldin
Posted by kaaj24
Dallas
Member since Jan 2010
1016 posts
Posted on 8/22/26 at 7:59 am to
As others have stated I would start out with AI tool (Claude/chatgpt) to get you started and might be enough for your needs.

I try to start with the least expensive option first then upgrade if needed.
Posted by Victor R Franko
Member since Dec 2021
4953 posts
Posted on 8/22/26 at 8:18 am to
Over my career as the company I worked for was sold, I've used Financial Engines, Vanguard, and of course Fidelity. I liked Financial Engines and Fidelity more so than Vanguard. I suggest you just use your available Finance companies available free calculator. Unless your really loaded you're probably not going to see much gain.
I was reading an article about how AI financial advisors is probably not a good thing to get involved with at this time. Still shaking out where the AI allegiance is lays, with the client or the financial entity.
Posted by way_south
Member since Jul 2017
979 posts
Posted on 8/22/26 at 10:54 am to
I built this in Claude. I haven't tested the detailed portfolio and tax options yet, but the rest is pretty solid to run different scenarios.

retirement modeler
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
142413 posts
Posted on 8/22/26 at 1:07 pm to
quote:

way_south



Have an upvote.
Posted by lsu xman
Member since Oct 2006
17047 posts
Posted on 8/22/26 at 2:08 pm to
Is there a quicker way to enter a DOB rather than clicking to the previous month a hundred times?
Posted by way_south
Member since Jul 2017
979 posts
Posted on 8/22/26 at 5:01 pm to
quote:

Is there a quicker way to enter a DOB rather than clicking to the previous month a hundred times


I'll provide the code to anyone that wants it and you can have Claude default it to your bday or edit how you see fit. I removed it from mine since I wanted to share it out.
This post was edited on 8/22/26 at 5:04 pm
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