Menu of retirement planning software from the most comprehensive ever created, to simple and free.

All five versions of our retirement software use a superior Monte Carlo simulation methodology than other retirement planners. The vast majority of other retirement planning software just uses Monte Carlo to fiddle with the rate of return on assets, to give you a bottom line probability of success number. Ours also fiddles with inflation and taxes at the same time. Everything is explained in the manual, and on the Monte Carlo page.

· Real World Retirement (RWR) does a "mini-financial plan" that displays more valuable information than getting a complete financial plan software package from any other vendor. If you want more accuracy, flexibility, functionality, and power than anything else ever created, then the single version of RWR is for you.

· For professional retirement planners that like having most all of the inputs on the same page, and like to see both current and proposed retirement scenarios at the same time, there's Dual RWR. It's basically two RWR's combined, with a master input sheet to put most of the inputs in one place. Dual RWR has half of the asset slots of Single RWR, because half are current and half are proposed.

Dual RWR is the heart of the Integrated Financial Planner.

You can run Monte Carlo simulations on Current and Proposed versions separately.

· If you want a basic, quick, and inexpensive retirement planner, then see the RP retirement planner. The differences with RWR are:

With RP, income from assets is withdrawn as needed, pro-rata, so they all run out at the same time. No other kinds of income payouts from assets can be done, except manual income withdrawals.

RP does not consider taxes at all, so everything is gross of taxes.

You can't control Social Security income in every year, like RWR can.

RP only has ten assets, whereas RWR has twenty.

RP only has four presentation pages that show results, and one graph, whereas RWR has dozens.

RWR has a column next to each manual override where you input text to remind you why you did what you did.

RWR has four additional miscellaneous income or expense input areas for joint expenses, and you can code incomes, expenses, and assets to be jointly owned.

RP is also able to integrate with the Budget & Cash Flow Projector to use the most accurate income goals as possible.

· The simple personal finance calculator is a much scaled down version of RP. It's for those who want extreme power compacted into the smallest, quickest, and easiest to use retirement calculator ever created.

It has the same Monte Carlo capability as the other retirement planners.

· If you want several times the functionality of free online retirement calculators, but still want it free, then our free retirement calculator is the answer. It's a scaled-down version of RP, but has dozens of times more functionality of any other free retirement calculator ever to be on the web.

It has the same Monte Carlo capability as the other retirement planners.

· If you like it free and simple as possible, then the free retirement calculators on the free online retirement calculators page might work for you.

· The most functional, flexible, and powerful stand-alone 401(k) and 403(b) calculators ever created are on the Investment Comparator and the Time Value of Money Calculators.

· We also have retirement planning services, where both individual investors and financial planners can get retirement plans created.

If there was a scale of 1 to 100, 1 being totally useless, and 100 being the only perfect retirement planning software:

· The vast majority of free online retirement and financial calculators would be about 10. The best would go up to 20. Most all are listed on the free retirement calculators page.

· Our free retirement calculator would be about 35.

· Our personal finance calculator would be about 45.

· RP would be about 55. RP is capable of evaluating someone's retirement better than most competitors.

· The vast majority of retirement software (regardless of price, how easy it is to use, how well it's advertised, or what software platform it's on), would be about 65. The top contenders are around 70.

· RWR would be about 85. You can analyze any oddball scenario that happens in the Real World with RWR, and you have complete control of every number in every year. RWR is by far the most functional retirement software ever created.

· Dual RWR is the only retirement planner ever created that is as close to 100 as possible. It's just two RWRs combined, to make it easier to see two scenarios on one screen. It also performs Monte Carlo better than anything other retirement planner. Nothing is even close to being able to perform all of the functions as Dual RWR.

Analysis on when it's best to start collecting Social Security benefits

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Fully Integrated Financial Planning Software

Asset Allocation Overview with Our Historical Returns

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