Top DIY Financial Planning Tools to Build Your Money Plan in 2026

Creating a financial plan can feel overwhelming, especially when doing it alone. Fortunately, modern DIY financial planning tools now give individuals access to powerful features once reserved for professional financial planners. These tools help estimate retirement needs, project future income, analyze investments, and model different financial scenarios with ease.

By using the right tools, individuals can gain clarity and control over their finances without the cost of traditional advisory services.

Boldin: In-Depth Financial and Retirement Planning

Boldin is designed for users who want detailed projections and scenario analysis. It allows users to test retirement ages, healthcare expenses, and market assumptions while providing insights into long-term financial sustainability. This makes it ideal for planners who want a data-driven approach to decision-making.

MaxiFi: Realistic Spending and Cash-Flow Planning

MaxiFi focuses on helping users understand how much they can safely spend over time. It builds a personalized plan based on income, expenses, savings, and expected longevity. The tool emphasizes real-world spending behavior and offers guidance on retirement income and Social Security timing.

Empower: Portfolio Tracking and Free Planning Tools

Empower offers a free dashboard that allows users to track investments, analyze asset allocation, and estimate retirement readiness. While it is lighter on advanced planning features, it is an excellent starting point for DIY investors who want a clear overview of their financial picture in one place.

Origin Financial: AI-Powered Money Insights

Origin uses artificial intelligence to help users manage budgets, track spending, and forecast financial outcomes. Its conversational approach makes financial planning more accessible for people who prefer guided insights rather than complex spreadsheets or manual calculations.

Conclusion

DIY financial planning tools have evolved into powerful solutions for individuals who want to take control of their finances. Whether you need detailed retirement projections, realistic spending guidance, investment tracking, or AI-driven insights, there is a tool available to match your planning style. By choosing the right DIY financial planning tools, you can confidently build a personalized money plan for 2026 and beyond.