The retirement planner that runs on your real money
Dedicated retirement tools plan in a sandbox; budgeting apps only look backward. Know Your Cashflow projects your actual, connected accounts — and everything else you own — forward through retirement, reconciled every month so your “am I on track?” answer stays honest. Where the specialized engines go deeper, we say so.
| Capability | Know Your Cashflow | Monarch | ProjectionLab | Empower | Boldin |
|---|---|---|---|---|---|
| Runs on your real, connected accounts Plan on synced balances and holdings — not numbers you retype into a calculator. |
✓ | ✓ | — | ✓ | ~ |
| Reconciled every month Lock in what actually happened each month so the forecast self-corrects and stays honest. |
✓ | — | — | — | — |
| Broad multi-asset net worth Real estate, metals, crypto, private equity, funds — not just bank and brokerage accounts. |
✓ | ~ | ~ | ~ | ~ |
| “Are you on track to retire?” A clear on-track answer measured against your own retirement target. |
✓ | — | ✓ | ✓ | ✓ |
| How long will your money last Carry the plan through retirement to see when — or whether — your funds run out. |
✓ | — | ✓ | ✓ | ✓ |
| Probability of success (Monte Carlo) Run the plan through a thousand simulated markets for the odds your money lasts — or that you reach your number — with a percentile range of outcomes. |
✓ | — | ✓ | ~ | ✓ |
| Withdrawal sequencing & RMDs Draw order across accounts, plus automatic required minimum distributions. |
✓ | — | ✓ | ~ | ✓ |
| Estimated withdrawal taxes Approximate the tax drag on withdrawals using your own effective rates. |
✓ | — | ✓ | ~ | ✓ |
| Forward cash-flow projection Month-by-month, years ahead — income, expenses, debts, contributions, withdrawals. |
✓ | ~ | ✓ | ~ | ✓ |
| Time-weighted performance Returns that exclude your own deposits, so growth reflects the investments. |
✓ | ~ | ~ | ✓ | — |
| Scenarios & what-ifs Sandbox copies of your real plan — retire at 62, 65, 67 — compared side by side. |
✓ | ~ | ✓ | ~ | ✓ |
| AI assistant & plain-English analysis A built-in assistant for any feature or number, plus AI that explains what your numbers mean — grounded in your real figures, guidance not advice. |
✓ | ~ | — | ~ | ~ |
| Tax-bracket & Roth-conversion optimization We estimate the tax drag on withdrawals; the specialized retirement engines optimize brackets and Roth-conversion ladders. |
~ | — | ✓ | ~ | ✓ |
| Advisor / white-label for firms Brandable and multi-client — offer it to your own clients under your brand. |
✓ | — | — | ~ | — |
Legend: ✓ yes · ~ partial / varies by plan · — not a focus.
Competitor capabilities are our general understanding as of August 2026 and vary by plan and over time — please verify each provider's current offering. Where we weren't certain, we marked it conservatively.