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The Complete Retirement Planner
What The Complete Retirement Planner is
The Complete Retirement Planner creates individualized, year-by-year forecasts for planning before and after retirement. It projects income, expenses, taxes, required minimum distributions, withdrawals and savings. Users can include Social Security, pensions, annuities, retirement accounts, health savings accounts and other savings. Federal taxes are calculated by year, with an effective state tax rate and optional deductions available for input. Scenario controls vary income, expenses, investment returns and one-time events, including sequence-of-returns risk. The Social Security calculator compares 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 before and after conversion. Healthcare tools cover Medicare and IRMAA information, long-term-care insurance estimates and healthcare expenses. The Excel tool is saved on the user’s computer, not in the cloud. It costs $89.99 as a one-time purchase and requires paid Microsoft Excel 2016 or later on Windows or macOS.
Who it suits
The planner suits people building detailed retirement forecasts around income, taxes, Social Security, withdrawals and healthcare. It is for users who have the full paid desktop version of Microsoft Excel.
What it does well
- Year-by-year income and expense forecasts
- Detailed federal and state tax inputs
- Social Security claiming and survivor scenarios
- Roth conversion comparisons
- Healthcare and long-term-care planning
What to know first
- No free plan
- Requires paid Microsoft Excel 2016 or later
- Does not work with online Excel or iPads
- No account synchronization
Limits
The planner requires the full paid version of Microsoft Excel 2016 or later. It cannot run in online Excel, on iPads, or in Numbers, Google Sheets, or LibreOffice.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| The Complete Retirement Planner - 2026 | One-time purchase; page does not state a billing interval. · Requires paid Microsoft Excel 2016 or later · Does not work on iPads | $89.99, paid once |
As completeretirementplanner.com lists them, read 8 Oct 2026. The maker's own page has the final word.
Getting started
- Open completeretirementplanner.com
- Purchase The Complete Retirement Planner - 2026 for $89.99 USD once
- Install or open the file on Windows or macOS
- Use a paid full version of Microsoft Excel 2016 or later
- Enter income, savings, tax, Social Security, and healthcare details
- Adjust scenarios and review the year-by-year forecasts
Verdict
The Complete Retirement Planner puts retirement income, tax, benefit, conversion and healthcare scenarios into an Excel-based model. Its $89.99 one-time price is paired with strict desktop Excel requirements and no outside account connections.
Questions
How much does The Complete Retirement Planner cost?
The Complete Retirement Planner - 2026 costs $89.99 USD as a one-time purchase.
Is there a free plan?
No. The product is paid and has no free plan.
Which platforms are supported?
It supports Windows and macOS when used with a full paid version of Microsoft Excel 2016 or later.
Does it connect to outside accounts or sources?
No. The planner is not linked to outside sources, and information is saved directly on the user’s computer rather than to the cloud.
What does the Social Security calculator cover?
It models claiming ages and can show spousal and survivor benefits, along with annual and lifetime totals.
Who created the planner?
Drew Parker is identified as the creator, and TCRP says it was created in 2017.
Facts from The Complete Retirement Planner's own pages
- Forecasts
- Its projections include income, expenses, taxes, required minimum distributions, withdrawals, and savings. · completeretirementplanner.com, 8 Oct 2026
- Founded
- 2017 · completeretirementplanner.com, 28 Sept 2026
- Healthcare planning
- The planner includes Medicare and IRMAA information, estimates long-term care insurance costs, and models healthcare expenses. · completeretirementplanner.com, 8 Oct 2026
- Income and savings
- It supports multiple income sources, Social Security, pensions, annuities, retirement accounts, health savings accounts, and non-retirement savings. · completeretirementplanner.com, 8 Oct 2026
- Integrations
- The maker says the planner is not linked to outside sources. · completeretirementplanner.com, 8 Oct 2026
- Maker
- The maker says TCRP was created in 2017; the About page identifies Drew Parker as its creator. · completeretirementplanner.com, 8 Oct 2026
- 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. · completeretirementplanner.com, 8 Oct 2026
- Purpose
- The planner creates individualized year-by-year financial forecasts for pre- and post-retirement planning. · completeretirementplanner.com, 8 Oct 2026
- Roth conversions
- The Roth conversion calculator compares before-and-after tax brackets, taxes, distributions needed to pay taxes, and savings balances. · completeretirementplanner.com, 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. · completeretirementplanner.com, 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. · completeretirementplanner.com, 8 Oct 2026
- Social Security
- The Social Security calculator models claiming ages and can show spousal and survivor benefits and annual and lifetime totals. · completeretirementplanner.com, 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. · completeretirementplanner.com, 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. · completeretirementplanner.com, 8 Oct 2026
- Update schedule
- The maker says the planner is updated each January with current tax codes and new features. · completeretirementplanner.com, 8 Oct 2026
Where The Complete Retirement Planner stands on Freedom251
- Retirement Planning Software#26 of 26