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. TCRP solves these riddles for you so that you can plan for retirement with confidence.

While significant tax code changes were signed into law in July, there will also be changes to current Medicare costs, 401k/IRA contribution limits,
the S.S. COLA, etc. coming later in the year. All of these changes (and new features!) will be incorporated into TCRP 2026 (coming in early January).
Don't want to wait? (You shouldn't!) Use TCRP 2025 to start planning today, and existing customers can then upgrade to TCRP 2026 for only $12.99!

TCRP 2025! (released in January)
Our most advanced retirement planning software to date 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 extensive planning features that TCRP has to offer.

Existing Customers
As always, upgrade to the latest version of TCRP (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.
  The flexibility to vary annual investment return rates provides far more accurate results than using the same rate for all years!
• 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 is 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 well-known 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, by spouse, 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.
  

TCRP is a full-featured retirement planning tool that provides a detailed financial roadmap for your future.
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!

"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

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

"My (well known firm) financial advisor told us we should do Roth conversions. I showed them that TCRP indicated that conversions were a losing proposition.
After 5 days of review they admitted that TCRP was correct! Thank You TCRP!" M.D., Tucson, AZ

"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

"Thank you for this financial planning tool. I'm very happy to have found a planner that is so comprehensive in calculating retirement costs." M.N., Wauwatosa, WI

"I am impressed with the accuracy, flexibility and simplicity of TCRP. I have had several financial plans professionally prepared for me at great expense
and TCRP gives me 99% of what those plans provided with a great deal more ability to execute “what if” analysis. Thank You! M.P., Phoenix, AZ

"This planner is informative, user-friendly, and the consummate guide that captures pivotal variables that I would have overlooked.
This in itself is worth the (very reasonable) price of admission." G.P., Kingston, R.I.

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

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

"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

"Great program, especially as I work with it and learn all that it is capable of!
So nice to be able to adjust it on your own and not have to go back and forth to an advisor (and pay the money!)" P.B., Peoria, IL

"Truly, I am grateful for this retirement 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

"Being able to analyze how different decisions affect our finances is beyond helpful. So glad I found TCRP - it truly is life-changing!" C.S., Edmonds, WA

"I've used Fidelity and Morgan Stanley financial planning tools, but this one is much better. Love doing multiple scenarios so easily!" B.R., Lafayette, LA