• The Complete Retirement Planner - Do You Have A Financial Plan?
  • The Complete Retirement Planner - Know Where You Are Headed
  • The Complete Retirement Planner - Achieve Your Goals
  • The Complete Retirement Planner - Retire With Confidence

The Complete Retirement Planner (TCRP) - News

TCRP 2024 is our most advanced retirement planning tool to date, and includes the latest tax laws, retirement savings contribution limits,
Medicare costs and I.R.S. RMD rules. A long list of essential retirement planning features not offered by other planning tools, along with
considerable ease-of-use and unbeatable affordability, is why TCRP is one of the most comprehensive retirement planning tools available.

It is also why TCRP has been selected as one of the "Best Retirement Planning Tools" by U.S. News & World Report for the past three years!

New Customers - Please continue reading below to see the complete list of planning features that TCRP provides.

Existing Customers - Upgrade to TCRP 2024 for only $12.99! At checkout, use Discount Code: TCRP2024, along with your original email address.
Thank You for your continued confidence in The Complete Retirement Planner!

TCRP Gift Cards are also available, and are the perfect way to help friends and family to create a reliable financial plan for their future as well!

The Complete Retirement Planner

Regardless of your net worth or stage of life, creating a written financial plan is a crucial step in achieving long-term financial security.
Every respected source on financial planning best practices will tell you this, yet, ~80% of households still have no such plan.
That's why The Complete Retirement Planner (TCRP) was created.

TCRP allows anyone to easily create an individualized, comprehensive financial plan for both pre- and post-retirement. Based on the same financial planning
principles used by professional advisers, it provides a detailed year by year roadmap of your financial future that clearly shows the amount of savings needed
for a desired retirement age, the impact of claiming Social Security benefits at different ages, and a necessary annual savings withdrawal rate during retirement.
TCRP solves these riddles for you so that you can plan for retirement with confidence.

  • The Complete Retirement Planner - 80% Of Households Don't Have A Financial Plan.
  • The Complete Retirement Planner - Create A Comprehensive Retirement Plan
  • The Complete Retirement Planner - Have A Lightbulb Moment.

How Does It Work?

TCRP asks the essential questions needed to generate a precise, year by year forecast of your actual need - including both expenses and taxes.
Multiple income sources (e.g., wages, pensions, Social Security), 401k/IRA contributions and investment return rates, and HSA contributions can all
be entered by spouse, by year. Total savings and income are compared to expenses for each year, and non-retirement and retirement savings distributions
are automatically calculated by spouse, by year, when needed. Federal tax deductions and Federal/State tax liability are also shown, by year.

The result is a detailed and eye-opening picture of your financial future showing how much you will be able to save before retirement,
how your savings and income compare to your actual need, and how long your savings will ultimately last during retirement.
Considerable flexibility also allows you to try what-if scenarios, plan for one-time events, and make all desired adjustments quickly and easily.
Relying only on your personal information (not generic assumptions), TCRP provides the most individualized and accurate results possible.

For your security, all of your information remains completely within your control. TCRP is a digital download that you save to your computer so that only you
have access to it. For ease of use, it operates using Microsoft Excel, for either PCs or Macs. Please Note - a full (paid) version of Excel (2016 or later) is required.
TCRP will not work with the free online version of Excel, or other Excel "apps" (e.g., Numbers, Google Sheets, Libre Office) as they do not support all Excel functions.
TCRP is updated annually (in January) with any tax law changes and feature improvements, and existing customers may purchase updated versions for only $12.99.

  • The Complete Retirement Planner - Financial Retirement Planning
  • The Complete Retirement Planner - Create An Individualized Financial Plan
  • The Complete Retirement Planner - Puzzle Pieces Fitting Together, Plan And Retire
  • The Complete Retirement Planner - Are You Ready For Retirement?

Why Is It Called The "Complete" Retirement Planner?

TCRP is a unique retirement planning tool that incorporates technical and educational features that simply won't be found elsewhere.
• Interview style questions, with explanatory notes, easily guide you through the set-up, providing an unparalleled ease of use.
• Clear educational notes on complex topics (e.g., Medicare costs, tax laws, Social Security benefits) help to inform you.
• Flexibility in entering variable income, expenses, investment returns, savings, and one time events allows for individual needs.
• Critical variables that are often ignored by other planning tools, but have a big impact on results, are accounted for (listed below).
• A high level of clarity and detail in the results provides transparency into how it all works from start to finish, making it truly "complete".

These are the combined features that set TCRP apart from all other retirement planning tools:
• Entries by spouse (if married) for:
- Multiple sources of annual income (e.g., wages, pensions, non-taxable).
- Non-retirement cash and investment savings balances and expected interest/return rates for before and after retirement.
- Retirement savings balances, contributions, and expected annual return rates.
- HSA balances and annual contributions.
- Desired retirement age and Social Security claiming age.
Entering this information by spouse provides a great deal of flexibility and is essential for accuracy!

• Itemize current and future expenses, and how those amounts may change over different time frames. This determines actual need, by year.
- Eligible HSA expenses are paid directly from HSA savings (if available), starting at each spouse's desired age.
- For greater accuracy, fixed expenses (e.g., mortgage principal/interest, auto/general loans) are not inflation adjusted! This detail is significant.

• Annual tax deductions for mortgage interest and property taxes are calculated automatically for up to three properties.
- Specify if a mortgage will be paid off early, or a property sold, to automatically adjust your total expenses and tax deductions from that year forward.
- Mortgage and real estate tax information for future home purchases may also be entered.

• Easily model Sequence of Returns Risk by entering varying investment return rates for retirement savings, by year, by spouse.
Most planning tools default to using the same rate of return for every year, which can easily produce unrealistic and misleading results.

Social Security benefits, including Spousal benefits (if married), Survivor benefits (if desired), and annual Cost of Living Adjustments (COLA's) are
calculated for each year based on your chosen claiming age(s). You can even adjust the COLA % and/or turn off Spousal benefits. Flexibility!
- Enter different claiming ages, by spouse, to instantly see the long-term impact on your total retirement results, and to optimize your Social Security income!

• To assist with understanding Social Security claiming options, there is a built in Social Security calculator.
- See an overview of common benefit options, and use the calculator to quickly model monthly and lifetime benefit results, by spouse, by claiming age.

• If married, a life expectancy age may be entered for either spouse.
- The surviving spouse's Social Security income and Federal tax filing status automatically recalculate as of that age.
It is important to be aware of the impact these changes may have on the surviving spouse's long-term results.

• Federal taxes on income, taxable distributions, and Social Security (different tax laws) are calculated by year rather than using a single rate for all years/income types.
- An effective rate for State income tax may also be entered, along with tax deductions for mortgage interest, real estate taxes, State income/sales tax, charity,
and medical costs, completing the picture of total tax liability. This is crucial, as taxes can have a significant impact on how long your savings may last.

• Help with estimating health care costs in retirement, including an automatic alert if you may be affected by IRMAA (possibly causing higher Medicare costs).

• The ability to enter a General inflation rate, and a separate Health Care inflation rate.
- The General rate applies to most expenses, but not to fixed expenses (e.g., mortgage principal/interest, auto loans) to prevent artificially inflating those expenses.
- The Health Care rate applies to designated health care expenses that historically experience higher inflation than core expenses.
No other planning tool does this, and it has a huge effect on results.

Required Minimum Distributions (RMD's) from retirement savings are calculated automatically, year by year, by spouse, using the I.R.S. divisor schedule.

• In any year that net income is greater than expenses a minimum of 25% of the excess is saved (to be conservative) and is added to non-retirement savings.
- If desired, this % may be increased to as much as 90% to help regulate any potential "lost" income.
- In any year that RMD's are greater than actual need, 90% of the excess is saved and is added to non-retirement savings.
Why 90% and not 100%? Because it's not reasonable to expect that anyone will be able to save every penny of excess income, every year, for decades.
Reliable financial plans should always have a small margin of error built in!

Distributions from retirement savings are specified by spouse, by year, and are based on actual need, accounting for any expenses not paid by income.
- Each spouse may specify the age to start distributions (starting at age 55) to help with early retirement, or to delay distributions (and the tax liability) up to RMD age.
- All distributions account for the amount needed for expenses and the tax liability on the distribution. This is an essential point that other planning tools ignore.

Roth Conversions can easily be entered for either spouse, by year, with the tax liability automatically accounted for.

Qualified Charitable Donations (QCD's) may be entered, by year, by spouse, directly reducing RMD distributions as well as their corresponding tax liability.

• Order Of Funds Used - Expenses are paid from income first, then from proportional amounts of non-retirement and taxable 401k/IRA savings, and, finally,
from Roth 401k/IRA's. Cash equal to 2 years future expenses (minus income for those years) is held in reserve to help maintain liquidity.
Savings last longer and tax liability is less than if only one fund type was exhausted at a time.

• The ability to enter expected/unexpected one-time events (additions or subtractions) that significantly impact retirement savings.
- Positive amounts may be assigned to either spouse's cash or investment savings, with negative amounts being added to expenses in the designated year.

• Results for each spouse are shown, by year, for:
- Taxable income.
- Non-taxable income.
- Social Security income.
- Non-retirement savings balances and distributions.
- Traditional 401k/IRA savings balances, contributions, distributions, and investment return rates.
- Roth 401k/IRA savings balances, contributions, and distributions, and investment return rates.
- HSA balances and contributions.

Total combined results (single or married) are shown, by year, for:
- Gross taxable income.
- Federal/State tax liability.
- Federal tax deductions.
- Income available to pay expenses.
- Total expenses.
- Total amount of excess income and/or excess RMD's that was auto-saved.
- Non-retirement savings balances and distributions.
- Retirement savings balances and distributions.
- 401k/IRA distribution % of total savings (withdrawal rate).
- HSA balances and distributions.

How's that for complete?
See exactly what TCRP looks like, and how easy it is to create your own comprehensive financial plan, on the "
View The Planner" page!
There's simply no other retirement planning tool like The Complete Retirement Planner!

Our Mission

Our mission is to provide a comprehensive retirement planning tool that allows anyone to easily create a detailed, thorough, and reliable
financial plan for pre- and/or post-retirement. While no plan can account for every possibility, or accurately predict the future, we believe
that the need-based philosophy and individualized detail incorporated into this planning tool will come as close as possible to that goal.

In addition, TCRP must always remain affordable for everyone and represent an exceptional value. Priced at only $89.99, we are confident
that this represents an unparalleled value for a professionally designed retirement planning tool with such advanced capabilities.
We encourage you to compare its extensive features to any other financial planning tool that you can find at double, or even triple, the cost.
You can even compare the information this planner provides to financial plans costing thousands of dollars from professional advisers.
We are committed to providing the best possible retirement planning tool, at the best possible price. It's that simple.

With The Complete Retirement Planner, there's no need to be a part of "the 80%" any longer!
Stop guessing, start planning, and retire with confidence!


"This is such an indispensable tool, and a breeze to use. It ties all those isolated pieces of your financial puzzle together and makes it easy
to make realistic projections. Awesome!" G.W. Van Nuys, CA

"I really love this planner! It’s better than the Quicken and Fidelity planners and I have much more confidence in it." R.E., Huntersville, NC

"TCRP is exactly what I had envisioned in a retirement planning tool and I'm very pleased with the thoroughness and completeness." M.N., Roanoke, VA

"TCRP has been instrumental in planning retirement for my wife and I. You’ve got the best solution out there!
I recommend it to anyone who wants to plan for their future." S.C., Gallatin, TN

"This is a great planning tool. It gives us peace of mind to be able to model different scenarios and see that in each case we can still
meet our goal of retiring in 2 years. Thank You!" T.N., Eureka, MO

Hiring an "expert" to create a plan like this would have cost $2k - $3k but TCRP eliminates that need.
The investment in my education and in TCRP was worth every penny." A.R., Carmel, IN

"Truly, I am grateful for this planner and all of your work to create it and support it!
It's a brilliant tool that is providing me with peace of mind regarding retirement and that is priceless." R.S., Andover, MA

"Thank you so much for TCRP! It has been an invaluable tool for making important decisions about investment risk, claiming S.S.,
how long to stay in our house, savings withdrawals, etc. Very helpful!" M.K., Glastonbury, CT

"This planner is excellent, and you include many elements that other planners do not." F.B., Boise, ID

"Really nice planning tool. Great for doing “what-if” analysis. Been using a Fidelity planning tool for several years, but TCRP offers a lot more detail." H.S., Springfield, IL

"TCRP is impressive! So happy I found it to help with retirement planning. Great product!" G.T., York, PA

"This program is brilliant! TCRP is detailed and straight forward, and much more flexible and helpful than the Fidelity planner I have been using for years.
Customer service is also incredibly helpful and responsive. I highly recommend TCRP! " Anonymous, Lake Worth, FL

"Thank you for this planning tool. I'm very happy to have found something that feels much more comprehensive in calculating retirement costs." M.N., Wauwatosa, WI

"I'm really impressed with the level of detail in this planner!" R.B., San Diego, CA

"Brilliant! Thank you very much for creating this great tool. It is EXACTLY what I have been visualizing for years." T.A., Easton, NH

Also mentioned in U.S. News & World Report, Kiplinger's Personal Finance, USA Today, MSN.com, Millenial Money, USA News Group,
BestLife Online Magazine, GoBankingRates.com, Lifehacker.com, FitSmall Business.com, StudentLoanHero.com
, and the Quicken Loans Blog!

Still not sure? See every page of the planner on the "View The Planner" page.
If you have any questions, please Contact Us. We're always here to help.

Thank You for your interest in The Complete Retirement Planner!