The Complete Retirement Planner
The Complete Retirement Planner creates individualized year-by-year financial forecasts for planning before and after retirement.
What The Complete Retirement Planner is
The Complete Retirement Planner creates individualized year-by-year financial forecasts for planning before and after retirement. Projections include income, expenses, taxes, required minimum distributions, withdrawals, and savings, with support for multiple income sources such as Social Security, pensions, annuities, and retirement accounts. Tax planning calculates federal taxes by year and allows an effective state income tax rate and optional federal deductions. Scenario controls let users vary income, expenses, investment returns, and one-time events. The Social Security calculator models claiming ages and can show spousal and survivor benefits with annual and lifetime totals. A Roth conversion calculator compares tax brackets, taxes, distributions needed to pay taxes, and savings balances. Healthcare planning includes Medicare and IRMAA information, long-term care insurance estimates, and healthcare expenses. The planner is an Excel tool for Windows and macOS, priced at 89.99 USD as a one-time purchase. It requires the full paid version of Microsoft Excel 2016 or later and does not work with online Excel, iPads, Numbers, Google Sheets, or LibreOffice. The maker says information stays on the user's computer rather than being saved to the cloud or linked to outside sources.
Good
- Models income, expenses, taxes, withdrawals, and savings.
- Supports varied income sources and retirement accounts.
- Includes Social Security claiming and benefit scenarios.
- Models Roth conversions and healthcare expenses.
- Information is not saved to the cloud, according to the maker.
Watch out
- Requires the full paid version of Excel 2016 or later.
- Does not work with online Excel or iPads.
- Does not work with Numbers, Google Sheets, or LibreOffice.
- Costs 89.99 USD as a one-time purchase.
Who it suits
It suits people who want detailed year-by-year retirement forecasts covering income, savings, taxes, Social Security, and healthcare. It requires a compatible desktop version of Microsoft Excel, so it is not suited to users relying on the listed unsupported spreadsheet options or devices.
Verdict
The planner brings a broad set of retirement projections and scenario tools into an Excel-based product. Confirm that you have a supported Excel version and platform before buying.
Plans and prices
From The Complete Retirement Planner's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| The Complete Retirement Planner - 2026 | $89.99, paid once | Requires paid Microsoft Excel 2016 or later · Does not work on iPads · One-time purchase; page does not state a billing interval. |
The facts
Each one read from The Complete Retirement Planner's own pages, with the date it was checked.
What it does
- Forecasts
- Its projections include income, expenses, taxes, required minimum distributions, withdrawals, and savings.checked 8 Oct 2026
- Income and savings
- It supports multiple income sources, Social Security, pensions, annuities, retirement accounts, health savings accounts, and non-retirement savings.checked 8 Oct 2026
- Integrations
- The maker says the planner is not linked to outside sources.checked 8 Oct 2026
- Purpose
- The planner creates individualized year-by-year financial forecasts for pre- and post-retirement planning.checked 8 Oct 2026
- Roth conversions
- The Roth conversion calculator compares before-and-after tax brackets, taxes, distributions needed to pay taxes, and savings balances.checked 8 Oct 2026
- Security and privacy
- The maker says the Excel tool is saved directly to the user's computer and that information is not saved to the cloud or linked to outside sources.checked 8 Oct 2026
- Social Security
- The Social Security calculator models claiming ages and can show spousal and survivor benefits and annual and lifetime totals.checked 8 Oct 2026
- Support
- The maker invites customers to submit questions or feedback through its contact form and says it will respond as quickly as possible.checked 8 Oct 2026
- Update schedule
- The maker says the planner is updated each January with current tax codes and new features.checked 8 Oct 2026
The company
- Founded
- 2017checked 28 Sep 2026
- Maker
- The maker says TCRP was created in 2017; the About page identifies Drew Parker as its creator.checked 8 Oct 2026
Money
- Healthcare planning
- The planner includes Medicare and IRMAA information, estimates long-term care insurance costs, and models healthcare expenses.checked 8 Oct 2026
- Scenario planning
- Users can vary income, expenses, investment returns, and one-time events to model what-if scenarios and sequence-of-returns risk.checked 8 Oct 2026
- Tax planning
- It calculates federal taxes by year and lets users enter an effective state income tax rate and optional federal deductions.checked 8 Oct 2026
Where it runs
- Platform requirement
- The planner requires a full paid version of Microsoft Excel 2016 or later and does not work with online Excel, iPads, Numbers, Google Sheets, or LibreOffice.checked 8 Oct 2026
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