Why Excel based planners?
Because our downloadable planners are Excel spread-sheets, there is no need to download and setup new software. Budget planning should be simple, fast and painless- if a budget planner cannot offer these characteristics, then users will find themselves dreading the whole planning process. We aim to avoid that.

Comprehensive: Unlike online calculators (limited by load time, and web page constraints) our download-able Excel calculators and
planners were developed with detail in mind.  The greater the detail, the higher the level of accuracy and understanding.

Affordable: One time fee of $9.95 - no monthly fees! Compare to other financial planners.  Secure credit card payment (privacy policy)

Understanding your financial assumptions:
A retirement plan is only as good as the assumptions used.  We can not stress enough the importance of understanding the variables and assumptions you use when building a retirement plan.

A slight overestimation of investment returns or underestimation of inflation can have an enormous impact on the longevity of your funds and ultimately your post-retirement quality of life.

When building a retirement plan, save two versions- one with medium risk and one with low risk (low investment returns, high inflation, etc.) This will prepare you for the worst, while educating you on the sensitivity of long term financial planning.


variables

Money Back Guarantee:
If for some reason you are not pleased with our Excel Retirement software, just let us know and we'll refund your money right away- we only want satisfied customers.

 

 

Don't put off building a solid retirement plan: Building multiple scenarios and understanding how each variable effects your overall retirement plan can be a daunting task.  As a result, many shy away from investing the proper amount of time into a detailed plan and resort to the high level online retirement calculators; or even worse, they put the whole planning process off completely. Don't fall into that trap- start planning properly now, not tomorrow.

Download the demo version of our Excel spreadsheet calculator to see how building a retirement planning can be made easy (and fun!)

 





What the Retirement Calculator includes (click to enlarge)
Click Images to Enlarge

SAVINGS & CONTRIBUTIONS
• How long will my retirement funds last?
• Am I saving enough today?
• How much can I spend during retirement?
• How soon can I retire?
• Results and the Retirement Savings graph update instantly as you input assumptions.
• Choose to increase future contributions for inflation or to match the maximum allowable for IRA's.

ASSET ALLOCATION
• Gradually reallocate your assets to post retirement levels with the check of a box!
• Investment options and historical return rates are provided for fast and accurate planning (you may also customize your investment options and return rates).
• Drop down windows and buttons make it easy to adjust your pre and post retirement asset allocation.

 

RETIREMENT INCOME & SPENDING
• Choose up to four unique sources of income-(Social Security, pensions, annuities, etc.)
• Income streams for you and your spouse are calculated separately for maximum accuracy (given possible benefit and age differences).
• Retirement spending section calculates your future spending based on the inflation rate you choose.


INVESTMENT DETAIL
• Understand the significant investment growth required in the years directly leading up to your retirement.
• See how your future contributions are adjusted/increased for inflation or to match the maximum allowable for IRA's

See complete list of Retirement Calculator variables

RETIREMENT CASH FLOW
• Social Security (including spouse)
• Pension & Other income
• Retirement Plan distribution/withdrawal (calc)
• Income Tax (calc)
• Investment return (calc)
• Make manual adjustments (+/-): down payments, inheritance, estate sales, etc.
• Spending (adjusted for inflation)

RESULTS
• See how all your variables/ assumptions from the above pages come together.
• Chart different data points with the drop down window (Retirement Savings, Income, Spending, etc.)
• Understand what area of your plan needs to be adjusted in order to meet your retirement goals


Will your retirement funds last if you live to 85?  95?

How much will inflation affect your retirement spending?

Are you investing enough time into your retirement plan?


At Simpleplanning.com, we develop comprehensive but easy to use Excel based financial planners that help users answer the tough questions.

Download our Excel based Retirement Calculator & Planner demo for free or preview our planner by clicking on the images above.

 



RETIREMENT CALCULATOR DETERMINES:
• How long your retirement funds will last
• If you're saving enough today
 - Calculates necessary annual contribution
adjustments (+/-)
• How much you can afford to spend during retirement
• How soon you can retire
 - Based on life expectancy, annual contributions,savings, etc.
• How much you can spend during retirement
• How inflation affects your retirement
• How much you will need to save
• How much you will spend during retirement
• Which variables are the most sensitive
• Level of Income tax during retirement
• If your retirement goals are realistic


RETIREMENT CALCULATOR VARIABLES:
• Current Age (yourself & spouse)
• Desired Retirement Age (yourself & spouse)
• Life Expectancy
• Pre-Retirement Asset Allocation
• Post-Retirement Asset Allocation
• Current retirement contributions/savings
 - 401k
 - IRA's: Traditional & Roth
 - Other Investments
• Inflation
• Retirement Spending
• Retirement Income:
 - Social security (yourself & spouse)
 - Pensions
• Retirement Income Tax



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