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See how we compare to other retirement planning tools
| Feature | Sagery | ProjectionLab | Boldin | Empower | ||
|---|---|---|---|---|---|---|
| Core Features | ||||||
| Starting Price | Free / $8/mo Pro | Basic free | $144/yr ($12/mo) | Free | ||
| Monte Carlo Simulations | ✓4 models | ✓+ historical backtesting | ✓ | — | ||
| Tax Modeling | ✓ | ✓ | ✓(PlannerPlus) | — | ||
| After-Tax Income Projections | ✓ | — | — | — | ||
| What-If Scenarios | ✓Unlimited (Pro) | ✓ | ✓ | Limited | ||
| Account Types Supported | 10+ | 10+ | Multiple | Linked accounts | ||
| Spending Phases (go-go/slow-go/no-go) | ✓ | — | — | — | ||
| RMD Projections | ✓ | — | — | — | ||
| Privacy & Data | ||||||
| Account Linking | Privacy-first (manual) | Never | Optional | Yes (Plaid) | ||
| Data Storage | Browser-first | Their servers | Their servers | Their servers | ||
| Sells Data | Never | No | No | No | ||
| Extras | ||||||
| Debt Tools | ✓Gamified | — | — | — | ||
| FIRE Calculator | ✓5 variants | — | — | — | ||
| Gamification (XP, badges, streaks) | ✓ | — | — | — | ||
| Estate Planning | Coming soon | ✓ | ✓ | — | ||
| Household / Joint Planning | ✓Spouse-aware | — | ✓ | Basic | ||
| Roth Conversion Modeling | ✓Multi-year | — | — | — | ||
| Social Security Optimization | ✓Claiming strategy | — | — | — | ||
| AI Advisor | ✓$15/mo | — | — | — | ||
| Education/Coaching | ✓ 120+ lesson learning mode + blog | — | ✓ Webinars + coaches | — | ||
Needed projections beyond just Fidelity accounts. Wanted to model ALL assets in one place.
Outgrew basic calculators. Needed Monte Carlo, tax modeling, and scenario planning.
Spent hours building models in Excel. Got the same analysis in 3 minutes.
No credit card required. Import nothing. Just enter your numbers.
Free forever. Pro: $8/mo. Pro+AI: $15/mo. 14-day money-back guarantee.
How Monte Carlo Simulations Work
Why 1,000+ scenarios beat a single average
5 Mistakes People Make With Retirement Calculators
And how Sagery avoids them
Social Security at 62, 67, or 70
Break-even math, bridge strategy, spousal impact
The Roth Conversion Ladder Explained
Access 401k funds before 59½, penalty-free
Comparison data from V6 audit. Last updated March 18, 2026. Competitor pricing and features verified against public pricing pages and product comparisons.