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Differences between Online and Gold - Pralana Retirement Calculator

Pralana Online offers new and enhanced features, with many more on the way!


  • Much-improved user interface with an integrated/interactive user manual
  • Reorganized and more robust tabular projections
  • Increased visibility into calculated outputs, including “Metric MRI” and tax forms
  • Roth conversions with proportional annual conversions from the accounts of both marriage partners
  • Variable number of income and expense items with greater upper limits than Gold
  • Scenario-specific child expenses and up to eight children
  • Refinancing of home mortgages
  • Rates of return can be input as either nominal or real values
  • Portfolio modeling can be either simple or advanced; you can simply specify the rate of return for each account or you can model full-up asset allocation (portfolio-wide allocation and account-level asset location) with up to 10 asset classes using user-specified details (rates of return and standard deviation) for each asset class
  • Social Security start ages can be specified with one-month granularity
  • You are freed from the overhead of running an Excel-based model (i.e., don’t need Excel, no more of dealing with the quirks of Excel, no more downloads, and no more imports and exports) and you can access the model from virtually anywhere