Real World Retirement Software

Dual RWR

User's Manual

Retirement Plan Explanation Text

How to Make Quickie Reports

Current RWR Demo

Proposed RWR Demo

Changes in Proposed Retirement Plan

Site Information

Read About the Current Sale!

Confused? It Makes Sense If You Start at the Home Page

RWR is the King of Retirement Planning Software

RWR is the most powerful and flexible retirement planning software program ever created. In technical terms, it has the most functionality of any retirement planning (or financial planning software) available today. This means it's capable of performing more useful functions than anything else - regardless of who makes it, how well it's advertised, how much it costs, or how comprehensive or integrated it is.

RWR uses a superior Monte Carlo simulation methodology than other retirement planners. Everything is explained in the manual, and on the Monte Carlo page.

There are two versions of RWR. The regular single version is described on this page. Dual RWR is just two RWRs combined so you can see both Current and Proposed scenarios at the same time. To minimize confusion, Dual RWR information is here.

Consumers: Now you can accurately illustrate every Real World retirement scenario, accounting for all of the details that happen in real life - before, during, and after retirement.

Basic operation is to enter your personal information into input areas, and then analyze the results. Usually the goal is to enter the combination of input that will allow you to reach your retirement goals without running out of money before a certain age. You can do this in around ten minutes by reading the Quickie Retirement Plan page.

This will give you peace of mind and a greater understanding of what's needed to build, maintain, and use your retirement savings to provide retirement income security. With RWR, minimal Excel know-how, and the user's manual; you can easily run the most elaborate retirement scenarios and projections all by yourself. Or you can ignore detail to keep it simple.

Now you can get better results and more meaningful answers to all of your questions about preparing for, and living in retirement; for a small fraction of the costs of hiring a financial planner. They would charge you dozens of times what this retirement software costs, to run your numbers just once. Forget all that!

Now you can do it yourself, input every little detail of your life that a financial planner would not have the tenacity to account for, update your numbers as many times as you want, whenever you want, and get the answers you need; all without hearing what someone wants to sell you.

This allows you to create your own personalized retirement plan with better results than hiring the smartest financial advisor using the most expensive software.

In other words, RWR is a very sharp tool that will answer all of your questions about the financial aspects of retirement (or any alternative lifestyle you may be considering). This is in contrast to all other retirement planning software. They are blunt tools that barely get you in the ballpark, and usually costs more than twice as much. Then there are annual update fees around 50% of initial purchase price.

With the Cash Flow Projector, you can dial-in your annual retirement income needs more precisely than with any other financial planning software. There is no other way to get more accurate results, even if you spend thousands on the most comprehensive and integrated financial planning software. This is because with RWR and the Cash Flow Projector, you have control over every number 70 years into the future.

Financial professionals: All you need is Dual RWR, the Cash Flow Projector, and the Fact Finders, and you'll be able to do more valuable work for your clients than anyone else; no matter how smart they are, how rich and famous they are, what professional designations they have, how well-staffed/big/or fancy their firm is, or how much they spend on financial software.

Assuming you know the basics of Excel, all it takes is reading the user's manual and collecting data from clients, and you can run the most robust multiple scenarios (Current and Proposed versions) quicker and easier than any other retirement planning software.

There is a custom client Retirement Fact Finder for RWR. It's a Word document that you just print and send or e-mail to the client. Then they fill it out and send or e-mail it back, and you input the data into the retirement software.

We all know in this business that fact finding is the heart of the whole process, so it's quick, easy, and to the point. RWR is different because most retirement software only gives you hard copies of their fact finder that you have to then buy more of when you run out. With RWR, you can easily customize everything to fit your financial planning business, and then print out as many as you want for free.

You'll also have total control of all the financial variables, which leads to a better understanding of the final numbers. This leads to a more acceptable and thorough explanation to clients. The result is happy clients who will stay with you long-term, which leads to referrals, which leads to not having to prospect, which leads to making more money per hour of work, which leads ultimately to a more successful business; so you can prosper, grow, and retire yourself.

NaviPlan, Financial Profiles, Microsoft Money, Money Tree, Money Guide Pro, and Quicken users: This is the solution if you're frustrated with their retirement software's lack of functionality, accuracy, flexibility, input detail, and forecasting ability.

You can use Excel's built-in "Goal Seek" function to do any "What-If" scenario. For example, just click on cell B35 of the Assumptions and Additional Need sheet, and then go to Tools, Goal Seek. Then change the "To value:" field to zero, then click on the bottom field, then on any other input cell that will help make the retirement plan reach the goals better (like an asset rate of return input field). Click OK, and Excel will automatically increase rate of return on that asset until the amount of more money needed to reach the goal, shown in cell B35, goes to zero. Then you'll know what the rate of return you'd need to get on that asset would be to reach the retirement goals, assuming all other input stayed the same.

With this feature, you can do all of the "What If?" and "Goal Seeking" functions that any other retirement software can do, plus dozens more that they can't do (because it's not written in Excel). You can use both any result cell with any input cell with Goal Seek.

Below the downloads is a detailed description of this retirement software's unique features and benefits

Free Demo Downloads

The RWR Current Retirement Plan demo has lots of informational text boxes that point out features. The Proposed Retirement Plan demo does not, so it looks more like what you'll see with the actual program. The Dual RWR demo matches the rest of the comprehensive and integrated sample financial plan.

To download the non-functional demos, right click on the link below, and then choose "Save (Target) As..." to save to a folder on your hard drive. Then open it with MS Excel. Sometimes the WPP's server doesn't work well with weird browsers; networks with firewalls, or it just may not work if it's not configured right. Plus you won't be able to print well from your browser. Please send e-mail if you have any problems, and it will be sent to you. Answers to frequently asked demo questions, and how to use demos.

Download the single RWR Current Retirement Plan demo (2MB Excel spreadsheet. The actual program is 14MB)

- or -

Download the Dual RWR demo

- then -

Read how to use the (non-functional) demos

RWR Operation, Features, and Other Information

RWR is not a trivial program. It is an enormous, complex, and serious retirement program that's designed for use by the most demanding, detail-oriented financial professionals (and consumers). One of the reasons why it's so large, is to make it easy to operate.

· Both client and spouse can have ten Real World assets each (20 total).

They are called "Real World" assets because RWR is the only retirement plan software where assets are treated correctly: as stand-alone entities, each operating independently of everything else.

Each asset can be controlled like real assets can be controlled in real life. From now on, "Real World assets" will be just be referred to as "assets."

These Ten Asset Payout Methods Are:

You can still use the manual withdrawal column to take out partial amounts before the 100% lump sum year. You can also control how much is taxed, and tax rates can be different in these two payout phases (manual withdrawals and then lump sum).

2) Yield Only: The biggest use of this retirement withdrawal method is when you want to keep principal intact forever, but it also has more uses.

For example, to account for CDs or individual bonds in the Real World, you can account for just the income, and then use the manual withdrawal column to lump sum maturity proceeds. You can also simulate any number of individual CDs or bonds maturing on different years by using the withdrawal manual override column in conjunction with the rate of return manual override column. You can also account for some maturing while others are reinvested.

Another practical use of this withdrawal method is simulating assets like bond mutual funds, by assuming a total return of 7%, taking out 6% interest income, and having the principal grow by some small amount (1% in this case). Or slowly deplete it by 1% by taking out 7% and growing it at 6%.

Tax on municipal bonds, or mutual funds, can be simulated correctly too by setting the amount taxable input field (cell A10) to 0%. If there are capital gains to pay when it's sold or matured, enter that tax inclusion rate into cell A11. Or the tax rate on any mix of state and federally taxable scenarios can be run too.

With this payout option, you basically have control over every bond, CD, or fixed-income, scenario where a fixed or variable percentage of the asset's balance is paid out as income.

3) Inflation-Adjusted Income Stream Generator: This retirement withdrawal method automatically answers the question, "What's the most money I can take out of this asset every year, account for taxes, have this income stream keep up with inflation every year, and have it last until I'm 100 years old?"

You just input the year it starts to pay out, a life expectancy age, an inflation-adjusted rate of return, a tax rate, and it automatically figures out the rest.

You can still use the manual income withdrawal column before the payout starts. This retirement income distribution method is also known as calculating a systematic withdrawal plan.

4) IRS Required Age 70 and 1/2 Minimum Required Distributions (MRD, or AKA MDIB and RMD): RWR will estimate the annual minimum distribution amounts that need to be withdrawn from a tax-qualified plan, like IRAs and 401(k)s.

You can still use the income withdrawal manual override column at any age, so you can tap into it when it's needed, and then have it go back to paying the required minimum distributions.

5) Specific (Manual) Annual Withdrawal Amounts: This retirement income withdrawal method just disables all of the other nine payout methods, so that only manual withdrawals input into the income withdrawal manual override column will work.

You can also have a separate tax rate on manual withdrawals (separate and in addition to the regular asset payout methods).

In short, you manually input how much of an asset's balance you want to come out, and to be spent as retirement income, in every year. Then the program forces that much net income into the picture. If there's a surplus over what's needed, it's added back to the Flexible assets.

6) Flexible Withdrawal: This method pays out retirement income in a manner that does not have a structured payout option assigned to it by the user (Methods 1 - 4, or 7 - 10). It’s an easy way to just let it figure everything out based on what's needed.

A Flexible Asset is different because it frees the asset to pay out retirement income to fund the netted income need deficits in each year (that remain after all non-asset income from the Summing & Input sheet, and assets with structured payout methods, have paid out). It basically funds whatever is needed to reach annual income goals after everything else has paid out (Social Security, pensions, earned income, and all of the other assets that are not Flexible Assets).

If there is more than one Flexible Asset, then income distributions are calculated on a pro-rata basis, according to size.

Flexible Assets also accept income surpluses in years when there's a forced surplus (there’s more money coming in than being spent). These surpluses get added back to the market value so it can grow until needed in the future.

7) Single Life Fixed Annuity: This method of paying out retirement income trades in the asset's market value for a permanent income stream. This income stream most resembles a single life annuity (or old-style defined benefit pension plan).

It wipes out the asset's market (principal) value when it starts to pay out, it pays out until death, and cannot be altered once it begins. It basically allows you to simulate what will happen in the Real World if you were to annuitize a fixed-rate annuity via an insurance company, with inflation/cost of living benefits, or not.

8) Inherited IRA or IRS 72(t) Distributions Using the Life Expectancy Method: Calculate early tax-qualified retirement plan distributions without getting hit with the before age 59 and a half penalty tax.

Read the IRS page that describes how to avoid IRA premature penalties by using 72(t) distributions here.

You can tap your IRA without paying penalties, and other tax-qualified assets, before you turn 60, as long as you use what the IRS calls, "A substantially equal series of payments lasting until life expectancy." There are three standardized ways to do this listed in Section 72(t) of the Code. Read the IRS page that describes this process here.

Also, this payout method estimates how much a qualified plan beneficiary is required to take out of an inherited IRA every year.

9) IRS 72(t) Using the Fixed Amortization Method: The same concept as Payout method #8, but gives the highest annual income distribution.

10) IRS 72(t) Using the Annuitization Method: The same concept as Payout method #8, but gives the lowest annual income distribution.

· You can also change asset payout methods midstream. If you want to have an asset payout using a certain method for the first 20 years, then change to another payout method, you can do that only with RWR.

· Each of the 20 assets can have its own unique effective/starting date. This allows the user to start an asset's life at any year - before anyone's year of retirement, the same year, or any year after retirement has begun for anyone.

For example, if someone is expecting an inheritance when they're 70 (and they are 60 now and plan to be retired at 65), they can start this asset's life in the year they are 70.

 This is extremely powerful, and most retirement plan software will only let you start an asset's life in the current year. Some will let you start an asset in a future/retired year, but it's rare that you can start an asset after retirement has begun.

If an asset doesn't become effective until a future year, then it's estimated present value shows up on the asset summary page (so the current net worth snapshot will be more accurate).

· Each asset also has its own year when its income payout becomes effective. In three keystrokes, you can tell it what year the income stream will kick in. This can be any year, on or after retirement.

Until payout begins, it grows without distributions, even if someone retired ten years ago. You can also withdraw income before this payout age by using the year-by-year manual income withdrawal column.

For example, you can have a trust fund that won’t pay anything until age 70, when you retired at 60. You can grow it just like it would in the Real World, and then it will pay out income just like the trust document dictates (and then you can account for its growth or shrinkage rate just like what's going to happen in reality too).

This is very powerful because it simulates real life as closely as possible. Most retirement plan software makes assets pay out only at globally specified retirement ages.

· Each asset has its own growth rate of return specified by the user (compounded annually), and this rate of return can be manually overridden in each year.

If you think an asset will have different rates of return in different years, or even a loss in some years, you can do this. This is great for laddered bond portfolios that have staggered maturities or limited partnerships with vastly different rates of return (and income distributions) from year to year. RWR is the only retirement savings calculator that allows total control over each asset's growth, or loss, rate in every year.

· Each asset has a starting year at which monthly contributions to the asset will start and stop. This can be any year, even a year after retirement has begun. It can be any number of years too, even just one. And of course, you can manually override every contribution amount at every year.

For example, you can specify $100 monthly contributions to a 401(k) plan (that currently doesn't exist because one hasn't worked there long enough to qualify yet), inflating at 2% annually, with no contributions in the 4^th year, a $50 contribution the 6^th year, and a $200 withdrawal (or loan) in the 12^th year.

This is great when someone will be eligible for their company 401(k) plan next year (or any future year), and they will start contributing to it then (and even better when they contribute in unequal amounts over any number of years). So in this case, you basically have a current asset with $0 as a beginning value this year, and the asset is then brought to life by making contributions in any future year.

Other retirement planning calculators can do this, but RWR is the only one that lets you make contributions after retirement has begun, allows the user to start and stop unequal contributions at any year (even after the asset has been alive for years already), and lets you manually override all of the contributions in any year. You basically have total control over contributions to assets in every year down to the dollar.

· RWR gives you total control over calculating taxes too. Especially if used in conjunction with the Average Tax Bracket Calculator (included on the four far right sheet tabs). This determines your overall average/effective tax rate with just a few inputs.

Since you're taking your whole income picture into account, marginal rates are irrelevant. You just input the average rate into RWR's global tax rate cell, and you're done.

You can also manually override the annual global tax rate every year. So if you expect your tax rate to decrease when you're retired, or change just in one year, which usually happens in the Real World, you can do that. RWR is the only retirement plan calculator program where you can completely control tax rates on a year-to-year basis.

· The tax inclusion rate (how much of an asset's income is subject to the global tax rate) can also be different for every asset. You can also have a different tax rate on manual income overrides.

No other retirement savings calculator allows you near this amount of control over taxes that stem from incomes coming from both assets, and non-asset sources of income (Social Security, earned incomes, etc.).

· RWR retirement software uses a superior Monte Carlo simulation methodology than other retirement planners. Everything is explained in the manual, and on the Monte Carlo page.

· You can choose to automatically generate Social Security income, or manually override both Social Security incomes, and its tax inclusion rate, in every year.

· You can specify the ages that both client and spouse start to collect Social Security, separately and at any year (not just 60 to 70). If someone wants to work past age 65 to get the maximum benefit, they can do that, regardless of when the other spouse started collecting theirs. If someone is disabled at age 50 and is already getting their lifetime PIA (Primary Benefit Amount) you can do that too.

Most retirement plan software makes both people collect at the same time, ages, or are limited to ages 62 and 65. RWR is the only retirement planning calculator where you can control everything having to do with Social Security on a year-to-year basis, for both people, and independently of each other.

This way, you have total control and will be able to correctly account for what's really happening in your life, and all future changes to the system.

If investment accounts are added to the system, you'd just use an asset slot to account for that, while still using the Social Security income generating sections for the guaranteed PIA amounts.

The Social Security Administration offers their online benefit calculator to anyone now. Their CD is $51, but it's available by free online downloading from this page. Their program is called AnyPIA and is better than commercial programs that calculate estimated monthly Social Security benefits. No commercial program is going to know what you've contributed, so none will be accurate.

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

· It has a separate tax presentation page that shows how much taxes were paid in every year. Everything that pays income also has a tax totaler at the bottom of the column so you can see how much in taxes were paid over your lifetime(s). It also has charts to show taxes visually.

· You can do what-if scenario analysis on whether to use Roth or traditional IRAs, or whether to use Roth Conversions on your existing IRAs/401(k)s.

This is the most accurate way to see if converting is really what you want to do after considering taxes, payouts, and everything else that happens in the Real World.

· You have the control to change most every number, and you can print and see, most every number for all 70 years.

Most other retirement planning calculators are written in some arcane programming language where you can't even see how any of the numbers are generated, let alone be able to change them.

With RWR, you can trace and solve all mysteries back to your input. You can see and have control over most all of the important numbers, unlike most retirement plan calculators where you can't see or get access to any.

· Both client and spouse income goals can start separately, and at any year (their retirement year). In other words, the husband (or wife) can retire at age 60, and the wife (or husband) can keep working until they want to stop. Both people do not have to retire in the same year like, other retirement plan software forces them to.

· Both client and spouse can have their own separate income goals. As a corollary to the above feature, and since anyone can retire separately at any age, it's only logical that they have their own separate income goals too.

An income goal is how much money someone needs, or wants, to spend annually when they retire. These amounts are after taxes (spendable money). For example, assume husband and wife are both age 60. The husband can retire at age 60 with a goal of $75,000 a year, while the wife keeps working five more years, and then she retires on $25,000 a year.

Other retirement planning software doesn't handle this real life scenario the way RWR does, because most of them force both people to retire in the same year.

· Both people can also have their income goals overridden on a year-by-year basis.

With other retirement planning software, you input an income goal in today's dollars, and just one inflation rate. The income goal then increases every year by that inflation rate, both before retirement, and after. They'll do that just fine, but you can't change anything.

This is the normal thing, and of course that's how RWR does it too. But with RWR, both inflation rates AND both annual income goals can be manually overridden every year.

Say you want $4,000 per month in today's dollars inflated at 3%, but you also want it to go up to $5,000 per month starting at age 70 (for any reason), inflating at 4% from then on. You can do anything like that.

This is great for accounting for lowering expenses due to home downsizings, increasing expenses from going into nursing homes, etc. You can do all of that, change it year-to-year, and more. No other retirement planning calculator handles this real life scenario the way RWR does.

· One of the best features is that you can use the detailed family budgeting software along with the 75-year cash flow projector, to do detailed income need projections, down to the dollar in every year.

Then in the year you plan to retire, you can reference/integrate/link all of these annual amounts into RWR's income goal manual overrides. This gives you unprecedented accuracy in the income needs part of the equation. No other financial plan software gives you the ability to dial-in your living expenses down to the dollar in every year.

· Both people can each have two separate post-retirement earned incomes that can start and stop at any year, be taxed or not, can be inflated, and can be manually overridden at each year.

Say someone wants to retire at 60, but has a side business they want to do from ages 66 to 75. You can enter these amounts starting and stopping in any year, for just one person, or both, separately.

Most retirement plan programs don't let you have any earned incomes at all after the retirement period starts. As usual, you have total control over this only with RWR.

· Both client and spouse can each have an old-style Defined Benefit pension plan (or assets with life incomes and no market values, like annuities that have been annuitized).

These incomes can be inflated, and taxed or not taxed. Other retirement tools do pensions too, but RWR lets you control taxes, COLAs, only has four input fields, so it's easier to use, and doesn't use up asset slots.

· Both people can also each have up to eight miscellaneous incomes or expenses.

You can start and stop these income or expenses in any year, for both clients individually; they can be inflated, taxed or not taxed, and manually overridden in each year.

RWR is the only retirement savings calculator that can handle so many additional incomes or expenses, before or after retirement, all at the same time, with the dollar amounts being different in any year, and gives you total control over every number in every year.

This is great for adding childcare expenses, debt payments, children's education costs, or recommended Long-Term Care premiums in the proposed version.

For financial planners illustrating Long-term Care coverage scenarios: You'd first run a current version showing future catastrophic nursing home care and medical expenses. Then in the proposed version, just show the expense of the LTC premiums. Showing the long-term impact of these expenses on retirement income and net worth will sell LTC policies for you. So if you sell these policies, this is the best financial tool ever created to wake people up, because it forecasts people's financial futures in more detail than anything ever created.

· Both people can each have up to three totally manually input expenses or income sources (without market values, rate of return, or regular income needs). There is no automatic inflator, rate of return, or tax control (you input all net values manually).

An example of the need for this is accounting for vehicle replacements every few years. RWR is the only retirement plan calculator that does this for so many unique incomes and expenses, while giving you complete control over every income or expense number in the 70-year window. You can use any Excel formula to generate and inflate the numbers.

· RWR is the only standalone retirement plan software that can include and illustrate rental real estate properties of any kind. Detailed directions are in the user’s manual.

· RWR has a text comment column next to every manual override column, so you can make text notes to remember why you used the manual overrides.

· You can specify an age (e.g., life expectancy) where the calculations stop, and separately, where the presentations stop.

Most retirement software just keeps on cranking out numbers way past the point of futility - after money runs out, or way past someone's life expectancy. This is annoying because it's usually just a long list of meaningless negative numbers.

On the main input sheet, you just enter the age at which the oldest client will assume to pass away, and the age when the annual numbers on the presentation page just disappear. This way if someone only expects to live until age 85, you can stop the whole thing from printing numbers at age 86.

You can use any age (it doesn't have to be the same year the presentations numbers stop - 85 in this example) as life expectancy.

For example, you can tell it to calculate numbers assuming life expectancy is 95, and at the same time tell it to stop printing numbers (on the Annual Summary Numbers sheet) after age 90.

This is useful in estate planning to show the scenario of, "I plan to croak at age 85, and I want there to be $500,000 left over to give to my kids. How much money can I have to retire on?" It's rare that a retirement planning program will do all of these things easily and correctly without annoying you with pages of meaningless negative numbers.

· You can change the titling on the single RWR version's presentation pages from Current to Proposed with one keystroke. When you choose "Current,"  the titles on all of the presentation pages say, "Current Illustration, before recommendations." Choose "Proposed" and the titles change to "Proposed Illustration." Choose "Neither" and all of this text goes away.

This is another feature that sets RWR apart from all other retirement planning programs that make you actually type these words in every time. The user can change the wording if they want on a client-by-client basis, or on a template basis. Or, you can change it display any text you like that will automatically toggle from this input area.

· There are three layers of income goal inflation/cost of living increases: Average over the next 1-5, 1-10, and 1-20+ years. Actually there are five, and they are explained in the manual.

These averages are all "implied," meaning when you specify a 2.5% rate over the next 1-5 years, and 3.5% over the next 1-10 years, these are the true rates for each separate period. In other words, changing the first 1-10 year's rate does not affect the other rates.

· Income goal inflation also can be manually overridden each year as explained above. For example, assume inflation is expected to be 6% for the next year, and then back to 3% the next year. You can do that. This is the only retirement income calculator that allows this much control over assumed income goal inflation over different time periods, and on a year-to-year basis.

· There is a "number rounder" that allows the user to control the amount of zeros shown on the presentation pages.

This allows you to round everything to the nearest $1, $10, $100 or $1,000. Other retirement planning calculators just calculates numbers and shows them all down to the nearest dollar. RWR will do that too, but most planners don't want to convey this much accuracy. RWR is the only retirement savings calculator that can do this with one keystroke.

· You can link / integrate / reference / input annual income need numbers from other comprehensive and/or integrated financial planning software that doesn't do retirement planning very well (MS Money, NaviPlan, Quicken, Financial Profiles, MasterPlan, etc.).

You can then use RWR reports to complement the deficiencies in their financial plans. Then you can format the printed pages to look just like them, to be consistent. The same concept can be applied to life insurance proceeds, and the results of other financial plan modules.

You can also perform the reverse of this. Because RWR is the master of forecasting one's financial future, you can use its end-of-year asset values (after retirement income has been withdrawn) in other modules.

This is useful when integrating with the comprehensive asset allocation software, or net worth software. So you'd let RWR calculate asset values, and then have the net worth and asset allocation modules get them from RWR. This will show net worth projections that account for everything that's' going to happen in the Real World.

The first phase of the process is to do a current snapshot of incomes and expenses. This is the family budget making process.

Then you project these amounts into the future using the Cash Flow Projector. If you have big future expenses, like children's college, you'd first crunch the numbers using the College Funding Software, and integrate them into the Cash Flow Projector.

Then in the year you retire, you start using the detailed annual Cash Flow Projector amounts as income goal inputs into RWR.

Then as the assets input into RWR are used up to fund retirement, these changes in asset values integrate into the Net Worth Projector. You can also use these numbers to show the changes in asset values in the Asset Allocation Software.

Then you can change the assumed rates of return in detail using the Asset Allocation Software. Then the bottom line overall rates of return calculated by the asset allocation software can be input into RWR's rate of return on assets input fields.

You only have to integrate this once, and then changes in one module will automatically flow to into the others.

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