Honest Comparison · 2026

EnoughMoney vs SmartAsset

SmartAsset is a free-calculator site primarily operating as a lead-generation funnel to financial advisors — a 'match with an advisor' service wrapped in helpful calculators.

Bottom Line

SmartAsset is fine for quick back-of-envelope estimates; it's not a serious planning tool. EnoughMoney replaces most of SmartAsset's retirement/FIRE calculators with more rigorous versions, and doesn't sell your contact info to advisors.

Feature-by-Feature Comparison

Feature	EnoughMoney	SmartAsset
Retirement Math
Safe Withdrawal Rate Calculator	✓Yes	Basic
Monte Carlo simulation	✓Yes	✗No
Historical returns backtest	✓Yes	✗No
Dynamic / variable withdrawal (Guyton-Klinger, VPW)	✓Yes	✗No
Sequence-of-returns risk modeling	✓Yes	✗No
Tax Planning
US federal tax engine	✓Yes	Basic
US state tax (all 50 states)	✓Yes	Partial
International tax (86 countries)	✓Yes	✗No
Roth conversion modeling	✓Yes	Basic
Tax-optimized withdrawal sequencing	✓Yes	✗No
Geographic Intelligence
City cost-of-living comparison	✓Yes	Cost-of-living comparison (limited)
Cities covered	307	US cities
Geo-arbitrage FIRE modeling	✓Yes	✗No
Lifestyle-tier simulator	✓Yes	✗No
Planning & Experience
Multi-account portfolio tracking	✓Yes	✗No
What-if scenarios	✓Yes	✗No
AI-powered coaching	✓Yes	✗No
Public calculators (no login)	✓Yes	✓Yes
Mobile access	Web-responsive	Web-responsive

Based on publicly available feature documentation as of 2026-04-17. Corrections and updates welcome.

Pricing: SmartAsset vs EnoughMoney

SmartAsset

Free: All calculators free (advisor-match funnel)

EnoughMoney

Free: All public calculators (FIRE, SWR, Roth, tax, city comparison) — no signup.

Navigator: $19/mo or $15/mo annual ($179/yr)the money dimension — personal CFO: FIRE planning, tax, withdrawal, lifestyle simulator
Architect: $29/mo or $23/mo annual ($279/yr)all 10 dimensions of a wealthy life — adds Studio, Thread, life-events planning, emotional resilience

What SmartAsset Does Well

✓Wide array of free calculators (retirement, mortgage, tax, investment) that work without signup
✓Clean, easy-to-use interface aimed at non-expert users
✓Good for quick back-of-envelope math
✓No paid tier — fully free to use

Where EnoughMoney Goes Further

→Primary business model is advisor lead-gen (SmartAdvisor Match) — many flows nudge you toward an advisor meeting
→Calculators use simplified methodologies; not ideal for serious planning
→Heavy ads and sponsored placements throughout content
→No account, no plan saving, no scenario comparison — one-shot calculators
→No FIRE-specific methodology; uses conventional retirement-age assumptions
→No international content

Which Should You Pick?

Pick SmartAsset if…

Use SmartAsset if you want a one-off quick estimate with zero commitment, and you're OK with basic methodology. If you're actively looking for a financial advisor, their matching service is legitimate (though they get paid by advisors for referrals).

Visit SmartAsset →

Pick EnoughMoney if…

Use EnoughMoney if you want FIRE-specific calculators, deeper methodology (Bengen/Trinity/Pfau), international tax modeling, or the ability to save plans and run scenarios. Our calculators are also free, but are tools-first — not lead-gen.

Try our FIRE Calculator →

FAQs

Is SmartAsset free?

Yes, all calculators are free. They make money via advisor referrals — if you use their SmartAdvisor Match service, advisors pay SmartAsset for the lead.

Why is SmartAsset's retirement calculator result different from mine?

Different assumptions. SmartAsset uses conventional retirement assumptions (age 65, average return, standard inflation). FIRE calculators like ours use explicit SWR rates, horizon-adjusted for early retirement, and account for geographic arbitrage.

Should I use their advisor-match service?

It's a legitimate service, but remember: advisors pay to be in the match pool. That doesn't make them bad advisors, but shop around and compare fees before committing.

Try EnoughMoney — free, no credit card

Run our FIRE calculator, compare cities, model your tax drag across 86 countries, or explore the lifestyle simulator. All core planning is free; Navigator ($19/mo) unlocks AI coaching and the full personal plan.

Create Free Account Try calculator first

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See all comparisons at /vs or visit our 2026 FIRE Planning Tools roundup.

This comparison is an independent editorial analysis. EnoughMoney has no affiliate or financial relationship with SmartAsset. Feature descriptions reflect publicly-available documentation as of April 2026 — things change; verify current features before subscribing.