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.

Clearly see 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.

TCRP 2025!
This is our most advanced retirement planning software to date and includes the most current tax codes, 401k/IRA contribution limits, RMD rules,
and Medicare costs, as well as new features that showcase why TCRP is one of the most comprehensive retirement planning tools available.

A long list of essential retirement planning features not offered by other financial planning tools, along with considerable ease-of-use and
unbeatable affordability, is why TCRP has been nationally recognized as one of the "Best Retirement Planning Tools" by U.S. News & World Report,
and recommended by numerous other highly respected news organizations, financial websites, and blogs.

New Customers
Please continue reading below to see a complete list of the unique features that TCRP has to offer.

Existing Customers
Upgrade to TCRP2025 for only $12.99! At checkout, use Discount Code: TCRP2025, along with your original email address for verification.
Thank You for your continued confidence in The Complete Retirement Planner!

TCRP Gift Cards
The perfect way to help friends and family to plan for their financial future!

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".

The following combination of features are what set TCRP apart from all other retirement planning tools:

Specific Income and Savings Tracking

• Enter multiple sources of annual income (e.g., wages, pensions, annuities, non-taxable) by spouse, by year, with an optional inflation adjustment.
• Model Social Security benefits using your expected FRA (Full Retirement Age) benefit and desired claiming age, or current benefit if already claimed.
  Spousal benefits, Survivor benefits, and annual Cost of Living Adjustments (COLA's) are automatically calculated.
• Designate annual withdrawal amounts for Inherited IRA's, with after-tax amounts being added to savings automatically.
• Benefit from Non-Retirement cash, short-term, and long-term savings buckets, each with their own interest/return rates for before and after retirement.
• Plan Retirement savings (401k/IRA's) with annual contributions, employer contributions, and expected annual return rates.
• Include an HSA balance, yearly contributions, an expected investment return rate, and the age at which you would like HSA distributions to begin.
  

Detailed Expenses and Tax Liability

• Itemize current and future expenses, and how those amounts may change over different time frames.
  Eligible HSA expenses are paid directly from HSA savings starting at each spouse's desired age.
• Utilize separate General inflation and Health Care inflation rates for greater accuracy.
  The General rate applies to most expenses, but not to fixed expenses (e.g., mortgage principal/interest, loans, extra mortgage payments),
  while the Health Care rate applies to designated health care expenses that historically experience higher inflation than core expenses.
  This detail is significant and provides greater accuracy. No other planning tool does this, and it has a huge effect on results.
• Account for Mortgage amounts, mortgage terms, interest rates, and property taxes for up to three current or future properties.
  Annual tax deductions for mortgage interest and property taxes are calculated automatically.
  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.
• Federal tax calculated by year, using the proper tax codes for income, distributions, and Social Security, not just a single tax rate for all income types.
  An effective rate for State income tax may be entered, along with optional Federal tax deductions for State income/sales tax, charity, and medical costs.
  Seeing the complete picture of your tax liability is crucial, as taxes can have a significant impact on how long your savings may last.

Retirement Age and Savings Distributions Flexibility

• Distributions from retirement savings are calculated automatically, by spouse, by year, to account for any expenses not paid by income.
  Distributions include the amount needed for expenses and the tax liability on the distribution. This is an essential point that other planning tools ignore.
• Choose the age to start Retirement savings distributions (starting at age 55) to help with early retirement, or to delay distributions up to RMD age.
• Efficient Order Of Funds Used - Income is used first, then proportional amounts of non-retirement and taxable 401k/IRA savings (based on balances),
  and, finally, 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 savings type was exhausted at a time (as other planning tools do!).
• If income exceeds expenses, customize the amount of excess income to save from 25% (to plan conservatively) up to 95% (to save as much as possible).
  Many wealth management firm planning tools just ignore excess income! Ouch!
  Why 95% and not 100%? Because it's not reasonable (or advisable) to expect anyone to save every penny of excess income, every year, for decades.
  Reliable financial plans should always have a small margin of error built in!
• Required Minimum Distributions (RMD's) are calculated automatically, using the I.R.S. divisor schedule.
  For any year that RMD's are greater than actual need, 95% of the excess is automatically saved, and added to non-retirement savings.
• Model Roth Conversions and Qualified Charitable Donations (QCD's), with their tax liability automatically accounted for.

Health Care and Life Expectancy Planning

• Be prepared for a spouse's passing by entering a life expectancy age for either spouse. The surviving spouse's tax filing status will change to "Single",
  and their Social Security Survivor benefit will calculate automatically. It is important to be aware of the impact this may have on your long-term results.
• Help with estimating health care costs in retirement, including an automatic alert if you may be affected by IRMAA (possibly causing higher Medicare costs).

Scenario Planning and One-Time Events

• Simulate "what-if" scenarios by using One-Time Events for major life changes, significant or unexpected expenses, or possible windfalls.
• Easily model Sequence of Returns Risk (crucial for when savings distributions start) by entering varying investment return rates for retirement years.
  Most planning tools default to using the same rate of return for every year, which can easily produce unrealistic and misleading results.
  
  TCRP offers full control over your financial future - showing where you are headed, what your options may be, and how long your retirement savings may last.
  

See exactly what TCRP looks like, and how easy it is to use, on the "View The Planner" page.
Or, to start planning now:

TCRP has consistently been priced at $89.99 for many years (no increases for inflation!), but don't let the unbeatable price fool you.
While it is a nationally recognized, full-featured planning tool, we price it this way because we can, to help any household to be better prepared financially.
Our goal is to provide the best possible retirement planning tool, at the best possible price. It's that simple.
Stop guessing, start planning, and retire with confidence!

"I've looked at a lot of different planning tools, and TCRP is definitely the best! Thank You!" J.D., Batavia, IL

"You have provided EXCELLENCE, in both TCRP and in your outstanding customer support!" D.M. Endicott, NY

"What an excellent planning tool! The more I work with it the more I appreciate the built-in functionality and guidance.
And all that for a cost that would not even buy me 30 minutes with a financial planner!" A.B. Kenosha, WI

"TCRP is such a great tool! I am really glad that I found it. It provides important and highly useful information that allows me to
better understand and manage all the components of my retirement plan." M.S., Everett, WA

"Having evaluated many other planning tools offered by the big wealth management firms, I believe that you have the best product out there! Nicely Done." A.L., Napa, CA

"TCRP, and your excellent customer service, is worth far more than $89. Can't thank you enough! Count me as beyond totally satisfied!" R.S., Sterling, VA

"I appreciate the information this planner provides - it has paid for itself today. The great thing is that I can try different iterations and see what works for us.
Very useful tool." D.S., Pensacola, FL

"TCRP is instrumental in planning for our retirement. 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 product is fantastic and saves me a ton of aggravation and time!" M.K., Oakland, CA

"TCRP makes modeling different scenarios easy, and is very transparent as to how results are calculated.
Very helpful, and it has relieved a lot of anxiety about retirement. We love it!" J.L. Corona Del Mar, CA

"What a great planning tool. I'm a numbers guy and this just blew me away!" M.P., Austin, TX

"Love TCRP! - So easy to model different scenarios. It's a very powerful tool and worth far more than its cost.
A huge help in decision making, especially to see when I can retire comfortably." P.J., Maple Valley, WA

"TCRP is a great planning tool! You've exceeded my expectations and I'll recommend TCRP to my friends." C.P., San Clemente, 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

"This planner is pretty impressive. I like to see cold, hard facts and not educated guessing." D.C., Baldwin, MO