Retirement Planner

SchnackerSoftwareSolutions

About this app

See how income, investments, spending and taxes fit together across retirement.

Retirement Planner by SchnackerSoftwareSolutions™ brings your household's retirement assumptions into one place. Build a plan for yourself or with a spouse, explore different retirement ages, and follow the projected results year by year.

PLAN THE WHOLE HOUSEHOLD
Enter separate salaries, salary growth, retirement ages, Social Security assumptions and pensions for each partner. Model living expenses with inflation and see the cash available after expenses, projected taxes and planned contributions.

ORGANIZE YOUR INVESTMENTS
Manage traditional retirement accounts, Roth accounts and taxable investments. Enter total balances or individual holdings. Include bonds, CDs, Treasuries and annuity assumptions. Choose dollar or salary-percentage contributions and allocate additional investment funding among accounts.

EXPLORE RETIREMENT WITHDRAWALS
Choose an account-type withdrawal order or proportional allocation. Model required minimum distributions and separate annual Roth conversions for each partner, plus additional one-off conversions with source and destination accounts. Review cash shortfalls and scheduled cash purchases.

UNDERSTAND THE PROJECTIONS
View graphs for investment balances, income sources, taxes and expenses. Expand yearly tables for income, investments, contributions, investment cash and taxes. Explore an estimated minimum retirement age based on the assumptions and projection horizon you enter.

REVIEW TAX ASSUMPTIONS
See federal, state, Social Security and Medicare tax estimates. Annual data files hold tax and retirement parameters. Optional child and earned income credit estimates use household eligibility confirmations and child ages. Future inflation assumptions adjust selected tax thresholds and deductions.

TRACK AND KEEP YOUR DATA
Record dated account-balance updates and review a history graph. Save named plans locally, export a plan or portable database, and move household or investment modules between devices. Import supported account and investment snapshots from Investment Finance Planner. Built-in help explains the workflow and common questions.

Designed for scenario planning before or during retirement. Results depend on your inputs and simplified annual assumptions. Market uncertainty, all tax situations and every account rule are not modeled. This is not investment, tax or legal advice, and projected results are not guarantees. Keep exported backups: browser or app-data cleanup can remove locally saved records.

What’s new

Brand new interface, look and feel. Many more features and capability. 2026 tax tables.