Commerce · alternatives · 2026
24 alternatives to Retirology
Affordable alternative to YNAB, Monarch, ProjectionLab, and Boldin. Professional FIRE planning as a one-time $19+ purchase — Roth ladders, Monte Carlo, ACA optimization, full 51-state tax. Local-only. No accounts.
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.
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I spent 2 years building a personal finance simulatorfree tier, from $10.75/mo▲766Hey everyone! After another year of building as a solo dev on nights and weekends, I'm back with an update on this post: https://news.ycombinator.com/item?id=31083093. TL;DR - ProjectionLab (https://projectionlab.com) is a privacy-friendly personal finance planning tool where you can create financial plans that go beyond the standard online retirement calculators. And by popular request, it now supports self-hosting for Lifetime users! Something I'm grateful for is that our community here on HN is the difference between PL existing and not. There was actually a time…
2023 · projectionlab.com · its alternatives →
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Create stunning Sankey diagrams for your budget in minutes. Our visual budget planner helps you track expenses and plan investments with interactive, easy-to-understand flowcharts. Try BudgetFlow free today.
2024 · budgetflow.cc · its alternatives →
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Use Roth IRAs to fund a tax free retirement
2016 · amazon.com · its alternatives →
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MoneyOnFIRE▲21We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we built the tool we always wanted: MoneyOnFIRE. MOF calculates a personalized, tax-aware roadmap to financial independence—across account types, life goals, and withdrawal strategies. It shows you not just if you can achieve financial indepdendence, but how, when, and what to…
2025 · moneyonfire.com · its alternatives →
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Free Roth conversion calculator that minimizes lifetime tax
Jul 2026 · roth-conversion-calculator.kindoflost.com · its alternatives →
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SpendKeep▲27The Privacy-First Expense Tracker. No Bank Login Required.
Jul 2026 · spendkeep.com · its alternatives →
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A complete retirement planner covering accounts, taxes, pensions, withdrawals, and life events, stress-tested against thousands of simulations drawn from over a century of real market history. Start with a free quick check, no sign-up required.
Aug 2026 · foresightplanner.com · its alternatives →
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Free calculators to plan your budget, debt, and FIRE goals
Jul 2026 · its alternatives →
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The most sophisticated free retirement calculator
Jun 2026 · futurepath.essentialx.us · its alternatives →
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Zerosum▲3I've been a YNAB user for years but couldn't justify $109/yr for an app where I never used bank sync. So I built my own. ZeroSum is zero-based budgeting (same envelope method) with a full YNAB import wizard — bring your entire budget history over. 50+ currencies, shared budgets, analytics, keyboard shortcuts. $40/yr. Stack: React (Vite + TanStack Router) on Cloudflare Pages, Hono + tRPC on Render. Happy to talk about the technical decisions. Try it free for 35 days: https://zerosum.so
Feb 2026 · zerosum.so · its alternatives →
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Most retirement calculators either oversimplify things or ask you to link your accounts so they can make money off your data. I wanted something that actually helped me see if I was on track without handing over a bank login, so I built RetireNumber. It's a privacy-first retirement planner. You type in your own numbers. No account linking, no selling your data, no VC. Just me and a subscription. The engine does real math: Monte Carlo with 1,000 runs, historical backtesting to 1928 using Shiller's Yale data, tax-aware withdrawal strategies, and scenario comparison so you can try different…
Feb 2026 · retirenumber.com · its alternatives →
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Cinderfi▲3Budgeting, retirement, and tax optimization in one app
Apr 2026 · cinder.fi · its alternatives →
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Real-time bookkeeping & tax for freelancers
Jun 2026 · numerisledger.com · its alternatives →
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OFEKfire▲1Plan your early retirement. Track assets, run projections.
May 2026 · ofekfire.com · its alternatives →
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Tool for Roth conversion and retirement tax planning
May 2026 · rothhelper.com · its alternatives →
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Professional-grade financial calculators for US, UK, CA & AU
Jul 2026 · taxdebtwealthsuite.com · its alternatives →
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Financial calculators for FIRE, crypto & Canadian investors
Jun 2026 · ilovemoney.net · its alternatives →
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Hey guys, I built an app that follows the envelope budgeting philosophy like YNAB and with beautiful expense breakdown displayed in sankey, line, bar charts. It also tracks your crypto wallet (BTC & ERC20), bank connections through Plaid and brokerage accounts through SnapTrade. Create unlimited categories, cash/loan/credit accounts and start budgeting at https://buildyourbudget.com/
Nov 2025 · buildyourbudget.com · its alternatives →
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Hey HN! I built a small app for comparing companies or job offers based on "years until financial independence" instead of "total compensation", after finding out the same offer from 2 companies can have a difference of years in terms of FIRE. I also ranked companies based on the time to FIRE as well. (with some assumptions, see the methodology for more details here https://firelist.io/methodology). It was useful for me, hopefully it's useful to you! I'll be adding more benefits and companies over the next few days or so. Let me know if you have any requests.
2025 · firelist.io · its alternatives →
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The simplest Making Tax Digital software - free for 2026-27
Jul 2026 · affordablemtd.com · its alternatives →
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Your personalized roadmap to financial independence.
Jun 2026 · novaplanner.app · its alternatives →
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Free US mortgage & tax tools with dynamic inflation modeling
Jul 2026 · fintechpulseus.online · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →