best family financial planning software for home use
Comprehensive and easy-to-use home financial planning worksheet software for families and individuals
Annual Release Notes:
VeriPlan Release Notes through 2018
Praise from satisfied VeriPlan users:

"VeriPlan is a big help. I'm in my mid 50's and have been a diligent saver and passable investor for many years. I am going through a work transition from salaried corporate employee to independent consultant, and my aging parents are needing financial help.

"Financial planning is particularly important to me and my family now. Thanks for making your product available. I've recommended it to a number of folks and will continue to do so."

J.H. in Portland, OR

"VeriPlan has been a very flexible home financial planning tool. It took me a few hours on a weekend to understand what VeriPlan could do and to enter our financial data.

"Our family financial affairs were scattered all over, and we lacked a comprehensive picture of what the future might hold for us. I wanted a clear understanding of our projected lifetime and retirement income, expenses, taxes, debts, real estate, financial assets, college investments, retirement investments, and everything else all together."

S. L. in Altadena, CA

"One of the stories that VeriPlan tells me is how much of my money could be lost to excessive investment costs. I just switched to some lower cost funds in my 401k. I loved updating VeriPlan with the new cost values just to see the red bar on the Total Assets chart get significantly thinner - quite a shocking difference."

M. W. in Tulsa, OK

"I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed.

"By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes.

"It is a real education in personal finance, and I think just about everyone would benefit from using this tool. I am going to tell everyone I know about VeriPlan.

"Thank you very much for creating it. Your web sites are great, too."

T. H. in Silicon Valley CA
(Email update
from T. H. in Silicon Valley):

"I thought I would let you know that VeriPlan was the primary decision support tool in my decision to retire early, which was about 4 years ago now. And it has worked out really well. Since then I got married, and we have traveled to 10 countries -- some on mission trips.

"I had used the lifetime planners in Microsoft Money and Quicken but they were not robust enough to make a major decision with. In retrospect they are toys compared to VeriPlan. So VeriPlan has been a very big help to me.

"Also, I recently read your Lowest Cost Mutual Funds book, which was great. It brought a few things to my attention that I need to work on."


"I am extremely impressed with the depth of information that VeriPlan asks for and provides. VeriPlan seems much more detailed than one would expect for the very reasonable price.

"Although I am not a financial professional, I consider myself more financially educated than the most people of my age (62). I find that VeriPlan's depth to be just what we need for our retirement planning. I am glad I purchased it. Thanks."

J. W. in Gainsville, FL

"Thank you for the VeriPlan retirement planner software. I am using it on my own behalf and with my clients. Have a great New Year, and thank you again for all your work on an already great product."

L. M., Senior Investment Advisor in Idaho
(Email update from L. M. in Idaho)

"I finally had the opportunity to dig into your most recent upgrade. It is amazing how far the product has come since I first interacted with the 2010 edition and the 2016 update shows the large amount of work done to make a major improvement in the product.

"The property and debt improvement is substantial. The fact it allows for buying and selling analysis of properties prospectively opens the door for using it with a number of primarily real estate oriented clients and I’m looking forward to that. I am also quite pleased to see the inflation rate adjustment with debt repayments. Thank you."


"I have enjoyed exploring the Veriplan software since my purchase about a month ago. Given the potential intricacies of each user's personal facts and circumstances, your tab-by-tab instructions are extremely clear."

D. F. in Armonk, NY

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago.

"I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions.

"So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."

M. D. in El Paso, TX

"Hi Larry, Thank you so much for your quick response, I am really enjoying using your product to take charge of my financial future. I'm definitely moving my investments to lower fee funds as a result of reading your ebooks. Thank you, thank you! K. S. VeriPlan Fan"

K. S. in Tahoe City

"I absolutely love your software! I saw my cash balance growing larger than it needs to out in the future. Then, I found the portfolio rebalancing tool at the bottom of the asset allocation input worksheet. This allowed me to distinguish between cash needed for transactions and cash held for investments. This rebalancing tool will be very useful."

R. C. in Flagstaff, AZ

"Your new manual is a major piece of work! It was useful for me while I set up VeriPlan with my data. VeriPlan has exactly what I was looking for. I have been thinking of developing my own spreadsheet (much simpler than VeriPlan) to help me understand what to do, but you saved me a lot of time in not having to do so."

R. G. in Lincoln, NE

"I'm excited about the simplified version that you have developed this year (2012). You've got a really cool product here. It's impressive!"

S. R. in Sacramento, CA

"VeriPlan's financial projection graphics simply lay out what the future might hold for my family. Also, VeriPlan is a very fast and automated financial investment calculator that allows me to change anything and to test alternate investment decisions rapidly. Its integrated documentation explains clearly how it works, and it also includes a wealth of well-researched personal finance and investment information that has been very helpful."

T. F. in Muncie, IN

"Anybody who wants a low cost family financial and retirement plan can get a great deal of value out of VeriPlan. Since VeriPlan is self-learning and fully changeable, I also really like not having to pay for updates or a support contract."

L. E. in Syracuse, NY

"Larry, Hello again! I traded emails with you a couple of months ago on some topics related to VeriPlan. I've continued to work with it, and the more I work with it the more I'm amazed at how much it does.

"It's an incredible decision support tool for my financial planning. Since I have already built a model of my lifetime finances, it is easy to test new ideas as they come to me. Thanks again. Now, I have both a question and an idea about withdrawals in retirement ... "

M. W. R. in Austin, TX

"You've got a really cool product here -- it's impressive!"

R. T. in Eau Claire, WI

"I have found VeriPlan to be very useful for my financial planning, and I appreciate your efforts in keeping it up-to-date and easy to use. Thanks"

D. H. in Atlanta, GA

"I am 10 years out from retirement, and I needed to start thinking more seriously about having enough to retire on. I'm following the suggestions of you and others in opting for more hands-on retirement planning. I am also using lower cost index investing. There are too many wealth management companies out there, all ready to charge an arm and leg for what should be straightforward financial planning work."

G. B. in  

Smith Mountain Lake, VA

"I am thankful for your product and am seeking to integrate it into more of my work over time. I appreciate its honesty and the fact that it ties one's entire financial life together in ways I have not seen with other software."

R. J. in Raleigh, NC

"I am a recently retired engineer, and I created a cash flow Excel spreadsheet for 25 years of retirement. So, I fully appreciate the data and potential variances that must be accounted for. Yet, mine is so very simple compared to VeriPlan."


"I love VeriPlan's concept of total control over inputs and parameters. Veriplan's objectives are very much like mine, but it has many, many more input and control options, and the price is spot on."

L. G. in Southbridge, VA


Simply the Best

Financial Planning Software


Retirement Planning Software

  • * Only $49.95 for all your home PCs and Macs
  • * 100% unconditional 30-day money back guarantee
  • * No upgrades or support
    contract needed

A Brief History of VeriPlan

* Under development since 2004

* Core functionality has been complete and robust since 2006

* First released for software licensing by the general public in 2006

* Used by the software architect to develop local Pasadena, CA area clients' comprehensive financial and investment plans since 2006

* Annual enhancement releases that update tax and investment information since 2007

* Parameters have always been user updateable, so that upgrade purchases and support contracts are not required

* Streamlined product released in 2012 -- more functionality with greater ease-of-use

* Major product release in 2016 significantly enhanced residential real estate, rental real estate, other property, and debt functionality

* 2018 release included federal tax reforms and added functionality for future gifts and inheritances, including traditional and Roth beneficiary retirement accounts

* Has been the most sophisticated, low price lifetime financial planning software available for home use since 2006

Download the FREE
VeriPlan User Guide
Lifetime and Retirement Financial Planning and Investing
Download in Acrobat/.PDF format from our website
Download in EPUB, Kindle/MOBI, and other formats from Smashwords

Simply the Best

Lifetime and Retirement

Financial Planning Software

Best Lifetime and Retirement Financial Planning and Investing Software
Runs on any Windows PC / Mac that has Microsoft Excel
Download the 2018 version with new tax law updates
Get bonus Low Cost Mutual Fund and ETF Buyers Guides

Easy-to-use do-it-yourself home financial planning software

  • Plan your lifetime financial freedom and retirement security
  • Save money and control your own financial destiny
  • Integrate all your objectives into a comprehensive and unified lifetime plan
  • Model your particular income, expense, debt, tax, and investment situation
  • Focus on decisions, while complex computations run automatically in the background
  • Gain clarity through standard projection graphics and data tables
  • Follow clear instructions provided in the software right where you need them
  • Easily update your plan in the future to track progress and evaluate new decisions

VeriPlan puts you in the financial planning driver's seat

Sophisticated, automated, and customized lifetime modeling tools

  • Automatically analyze your lifetime income, expenses, debts, asset returns, taxes, and investment cash flows
  • Make long-term decisions based on fully personalized lifetime planning scenarios
  • Develop lifetime projections for your particular tax situation
    • including US federal, state, and local graduated income taxes; tax deductions; property taxes; short-term and long-term investment capital gains taxes with asset tax basis tracking; Social Security taxes; Medicare taxes
    • change any tax setting
  • Instantly revise your plan, whenever you change any assumption or input

Standard lifetime financial planning and retirement graphics

An example of VeriPlan's automatically generated graphics

VeriPlan Total Assets Projection Graphic

Fully personalized financial projection scenarios

Compare unlimited lifetime financial planning scenarios with VeriPlan's

cash flow modeling and retirement planning software

  • Change any and all earnings, expense, debt, tax, investment, or savings assumptions
  • Adjust for major planned expenses in each and every year
  • Automatically estimate the present value of your lifetime savings and human capital
  • Model a wide variety of retirement investment, retirement income, and retirement withdrawal planning strategies
  • Optimize your taxable, traditional tax-deferred, and Roth account investment strategies
  • Model lifetime investment risk and returns with automatic asset allocation and rebalancing tools
  • Vary expected asset class returns systematically to test returns projections
  • Project portfolio safety margins provided by your cash and bond assets
  • Model the cumulative, lifetime impact of excessive investment costs and fees

VeriPlan's personal financial planning software power tools

VeriPlan includes these fully integrated

financial planning tools

  • Lifetime earnings, expense, and retirement savings calculators
  • Income, property, and capital gains tax calculators
  • Home purchase and mortgage calculator tools
  • Retirement planning calculator and income calculator tools
  • Tax-advantaged retirement planning tools
  • Debt management calculators
  • Asset allocation calculator and rebalancing tools
  • Investment cost reduction tools
  • Investment returns calculators
  • Investment portfolio risk tools
  • Investment portfolio safety tools

Fully integrated earnings, expense budgeting, and retirement savings:

VeriPlan's lifetime earnings, expense budgeting, and

retirement savings calculators

  • Project salary, bonus, and self-employment income until your retirement at any age
  • Incorporate any other expected income sources before and after retirement
  • Make any positive or negative annual income adjustments on a year-by-year basis
  • Fine tune your earnings growth rates for each income source
  • Easily adjust projected expense inflation rates
  • Add major planned expenses in any year, such as home renovations, new babies, elderly parent care, vacations, etc
  • Enter positive and negative annual expense adjustments and with different inflation rates in any projection year
  • Use as a children's educational expense and college planning tool with adjustments for expected scholarships and loans
  • Use as a career education expense planning tool to model the trade-offs associated with returning to school for career advancement
Do all this automatically, while VeriPlan simultaneously projects all of your
debt payments, taxes, investment appreciation, and investment expenses!

Completely integrated and fully automated lifetime tax projection software

Income tax calculators, property tax calculators, and

capital gains tax calculator tools

  • Fully integrated tax planning software calculators automatically project your lifetime tax obligations in eight different tax categories
  • Uses the particular federal income tax, state income tax, and local income tax rates and limitations that currently apply to you
  • Projects your personal tax exemptions, adjustments, and deductions plus your property and your short-term and long-term capital gains taxes
  • Change all tax rates and limits supplied with VeriPlan, if tax rates change in the future
A VeriPlan lifetime tax planning worksheet graphic

VeriPlan Tax Graphic

Easily change any and all of VeriPlan's tax settings

Through age 100, VeriPlan automatically generates

personalized tax projections using ...

  • ... your current graduated U.S. federal income tax rates and limits (that you can change).
  • ... your current variable or flat state income tax rates and limits. (VeriPlan comes with state income tax rates for the 50 United States and Washington, D.C. Select any state to develop your projections.)
  • ... local personal income tax rates and any limits. (VeriPlan can project: no local taxes, flat local tax rates, graduated local tax rates, or the New York City income tax rates that are provided.)
  • ... different levels of taxable income at the federal, state, and local tax levels, if you wish.
  • ... the 'Single' or "Married, Filing Jointly' federal income tax filing status. VeriPlan automatically applies the tax rates and tax limits that are associated with either of these filing statuses.
  • ... up to 10 tax exemptions for your tax dependents, including age related phase-outs.
  • ... up to 6 adjustments to your income subject to income taxes.
  • ... your federal income tax deductions, (while automatically applying the more favorable of either the standard tax deduction or your itemized tax deductions in any projection year.)
  • ... your applicable Social Security (FICA) and Medicare taxes.
  • ... either salaried employee tax rates or self-employment tax rates, as appropriate.
  • ... your long-term qualified dividend and long-term capital gains taxes on your long-term capital gains distributions and asset withdrawals.
  • ... your cumulative asset class tax basis for assets and asset classes. (VeriPlan projects taxes net of your cumulative asset tax basis.)
  • ... your total property taxes, real estate taxes, and other assessed property taxes.
To make better financial planning decisions, you need after-tax
projections that reflect your particular tax situation!

Go here to watch a YouTube video on:

Automated Tax Projection Features in VeriPlan

For up to 5 Homes, 10 Rentals, and 10 Other Properties

VeriPlan's property and real estate calculator tools automatically:

  • Project key asset, expense, tax, and cash flow factors associated with owning now and/or purchasing/selling in the future up to 5 homes, 10 rentals, and 10 other properties
  • Calculate the cash you need to complete these transactions, including down payments, buying/selling/closing costs, and other settlement cash requirements net of any planned mortgages/debts, while taking into account interim asset appreciation and taxation
  • Add new homes, rentals, and other property assets to your portfolio in the future and project future real estate price appreciation, maintenance costs, other expenses, and property and business taxes
  • Project the cash flow value to you of future mortgage interest, business, and real estate tax payments as income tax deductions, while taking into account exclusions and income limitations
  • Track positive and negative after-tax cash flows related to homes, rentals, and other businesses related to ongoing operations, purchases, and sales
  • Manage future expenses to prepare and sell each property, while taking into account projected values, tax basis, depreciation, and capital gains on real estate and other property sales
  • Handle current and future debts associated with homes, rentals, and properties including cash flow, deductions, limitations, and accelerated retirement of any debt

VeriPlan's rich set of retirement planning tools

With VeriPlan's Social Security retirement estimator, retirement

annuity calculator, and retirement pension calculator tools, you can easily:

  • Set individual retirement ages and select whether a married working couple would retire simultaneously or in different years
  • Adjust your planned retirement living expenses and the expected inflation rate of your retirement living expenses
  • Adjust your retirement expenses year by year (For example, you could add the projected cost of an ocean cruise every two years during your retirement.)
  • Set your current Social Security retirement income payment entitlement levels and evaluate your decision about which age to accept your first Social Security payments (If you wish, VeriPlan's Social Security retirement calculator tools allow you can scale back the amount of your projected Social Security retirement payments, by a percentage reflecting any concern over the adequacy of Social Security trust funds.)
  • Because older workers can face erosion of real dollar wages, adjust your assumptions about your real dollar wages, if you plan to keep working
  • Project up to 10 separate pensions and annuities (For each of your pensions or annuities, the VeriPlan retirement calculator with pension tools will automatically project: a) the dollar amount of the monthly annuity or pension payment, b) separate real dollar growth rates before and after the first pension or annuity payment, c) whether annuity or pension payments would begin at a specific age or at retirement, d) the duration of pension or annuity payments, and e) the taxability of annuity or pension payments.)
  • Understand better your preparedness for a long life and long retirement, since every VeriPlan projection automatically analyzes the adequacy of your financial resources through age 100
A VeriPlan retirement income graphic

VeriPlan Tax Graphic

Investing in tax-advantaged retirement accounts

VeriPlan's tax-advantaged retirement planning worksheet tools

  • Fully automate your lifetime projections of retirement account assets in pensions and annuities; in 401k, 403b, 457, SEP, SIMPLE, and other employer plans; and in personal IRA, Keogh, and self-directed 401k accounts
  • Automatically project your annual net assets in your taxable accounts, your traditional tax-deferred accounts, and your Roth IRA and 401k accounts across your lifetime
  • Completely automate the financial planning of your lifetime traditional IRA and Roth IRA contributions, deductions, asset growth, withdrawals, and taxation with VeriPlan's fully integrated retirement investment calculator, retirement income calculator, and retirement withdrawal calculator software features 
  • Quickly analyze whether traditional tax-deferred retirement plan contributions versus Roth retirement plan contributions would be more valuable in your particular circumstances across your lifetime
  • Easily control whether your projected lifetime plan contributions would be funded from future positive net income and/or from future taxable financial assets -- up to annual contribution limits

Automatically project the repayment of all your debts

VeriPlan's debt management calculators and mortgage calculator tools

  • For all your current and future debts, VeriPlan's fully integrated debt management spreadsheet features will automatically repay the interest and principal -- using either minimum required payments or any accelerated loan payments that you choose for:
    • Up to 10 credit card, car loan, student loan, and other revolving credit debts
    • Up to 10 home mortgage and home equity line of credit debts related to personal residences, vacation homes, and residential upgrades
    • Up to 20 debts associated with rental real estate properties
    • Up to 10 debts associated with other properties and business interests
  • Help you analyze the potential value of accelerated repayments for any or all of your loans versus the alternate investment opportunities you would have for the additional cash
  • As appropriate for each type of debt, projected tax deductions and tax limitations are automatically taken into account, including itemized income tax deductions for residences within limitations related to income, number of properties, and type of loan.
  • Automatically project accumulated unfunded debt and interest obligations, if your expenses exceed your financial resources. (This feature illustrates how uncontrolled debt could create a destructive and unrecoverable downward spiral.)

Sophisticated, long term investment calculator projections

Automatic asset allocation calculator and portfolio rebalancing tools

  • VeriPlan provides 5 different user adjustable asset allocation methods for your cash, bond, and stock financial assets
  • Align the risk of your investment portfolio with your relative risk tolerance
  • VeriPlan's compound investment calculator tools use your preferred asset allocation method to develop lifetime investment asset ownership and returns projections for you automatically
  • User adjustable fixed, variable, and age-based investment asset allocation mechanisms are provided
  • Portfolio reallocations are performed automatically each year throughout your lifetime projection according to the asset allocation method and settings that you choose
  • You can easily and quickly evaluate the trade-offs between different asset allocation strategies within the context of your projected lifetime financial situation

Avoid the huge penalty of excessive investment management fees

VeriPlan's lifetime investment cost tools

  • Excessive investment costs are a huge problem for the average individual investor.
  • Reducing investment fees is the most effective and scientifically valid investment strategy that investors have to improve their investment returns.
  • VeriPlan automatically analyzes the cumulative impact of five types of investment expenses across your life cycle: 1) sales loads and fees, 2) 12b-1 securities marketing fees, 3) asset management expenses, 4) investment trading costs, and 5) investment custody fees.
  • VeriPlan fully automates the analysis of the annual and cumulative lifetime investment costs that are associated with your cash, bond, and stock financial asset portfolio.
  • You can quickly understand the cumulative lifetime investment costs associated with your current financial asset portfolio.
  • You can easily compare lifetime projections using your current investment costs against projections using lower investment costs that you choose.
VeriPlan Excessive Investment Expenses Projection Graphic

Fully adjustable investment asset class return analysis

VeriPlan's future value investment calculator software

  • VeriPlan's automated centerline projections use very long-term, historical securities market rates of return on the cash, bond - fixed income, and stock - equity investment asset classes over the past 80 years.
  • You can adjust any of these projected rates of return, using VeriPlan’s Portfolio Risk Tool.
  • All your projections will automatically deduct short-term capital gains taxes, long-term capital gains taxes, and investment costs from your gross financial asset investment returns.
  • VeriPlan will automatically project the fair market value of your real estate, property, and other assets using the asset growth rates that you anticipate.

Easily analyze investment return projections

VeriPlan's investment risk and return portfolio tools

  • You can use your own asset class investment return assumptions, which differ positively and/or negatively from the financial asset class return assumptions that VeriPlan supplies.
  • To understand better the asset class investment risk of your portfolio, you can vary automatically your expected asset class investment returns either upward or downward in proportion to their historical volatility.
  • Alternatively, you can automatically vary the expected returns of financial asset classes on a judgmental basis.
  • Furthermore, you can analyze the effects of substantial near-term changes in the securities market value of your financial asset portfolio using the Current Portfolio Revaluation Tool.

Assess your projected financial security

VeriPlan's investment portfolio safety tools

  • Individual investors face a dilemma -- less risky and more risky investment strategies may not achieve desired results for different reasons.
  • When assessing investment strategies with different risk levels, it can be helpful to understand how the "safer" portion of your portfolio assets might evolve across your life cycle.
  • This tool automatically projects how long your cash and shorter-term fixed income assets would cover your projected expenses, if all your expected income sources ceased at any point.
  • VeriPlan automatically measures your projected financial capacity to weather future financial risks that might materialize at any point.

And, of course, everybody loves a bonus!

Order VeriPlan now and receive these valuable books at no extra charge

Lowest Cost No Load Mutual Funds ebook
Lowest Cost ETFs ebook
  • Each book is approximately 200 pages and lists of the 200 lowest cost no load index mutual funds or exchange-traded funds (ETFs) across 30 asset categories.
  • Updated quarterly in Acrobat format, these highly useful books also discuss why you should choose only the lowest cost index mutual funds and ETFs.
  • In addition to the significant value of VeriPlan as a lifetime financial planning decision tool, these lowest cost noload mutual fund and ETFs ebooks can help you recoup the modest cost of VeriPlan very rapidly.

Worth $19.50, download both Acrobat ebooks FREE with your order

You get the latest ebook editions with VeriPlan

VeriPlan is Simply the Best Combined

Lifetime Financial Planning Software


Retirement Planning Software

You Can Buy!

Everything is user-changeable -- No need to buy upgrades

Easy, fully documented, and self-learning -- No support contract needed

One household license covers ALL of your Mac and Windows devices

Immediately download for any Mac or Windows device running Microsoft Excel

Simply click this button to order now!

Just $49.95

30-day No risk, No questions asked, 100% money back guarantee

Thank You Very Much For Your Order!

Product information:

  • Payments are made in US currency and are processed through PayPal using either a major credit card or funds in your PayPal account
  • California orders pay California sales tax
  • The zipped product download folder includes:

    • the VeriPlan lifetime and retirement financial planning software
    • Read Me instructions
    • a Product Overview
    • a How-to-Use quick starter guide
    • a whole household End User License
    • the Lowest Cost No Load Mutal Funds ebook
    • the Lowest Cost ETFs ebook, and
    • the VeriPlan User Guide Manual ebook
  • VeriPlan is licensed and copyrighted software and is not sold. The VeriPlan End User License covers the personal and non-commercial use by one household of VeriPlan running on Microsoft Excel on the Macintosh and Windows devices owned by that household.
  • The 30-Day Money Back Guarantee is UNCONDITIONAL and is provided via a PayPal refund.
  • VeriPlan has been developed by and is licensed to you by Lawrence Russell and Company, 1077 Prospect Blvd., Pasadena, CA 91103
  • Purchase terms are subject to change without notice at the sole discretion of Lawrence Russell and Company.
  • The VeriPlan software and VeriPlan trademarks are the exclusive property of Lawrence Russell and Company.
  • Commercial licenses for financial planners and investment advisers to use VeriPlan with their clients are available.

The Best Lifetime Financial Planning Software and

Retirement Planning Calculators

Designed for You to Use at Home

Ease of use, organization, documentation, and tutorials

  • VeriPlan provides 10 user accessible input worksheets, 25 graphics, and 2 consolidated data tables that are organized into groups.
  • Your projections can begin at any age from 18 to 99 and automatically continue through age 100.
  • VeriPlan's projection graphics cover ages 18 to 100 years in yearly increments. For ease of analysis, VeriPlan also automatically provides a consolidated projection data table with all the data that used in each of the projection graphics.
  • All VeriPlan projections extract inflation and use real or non-inflationary dollars with constant purchasing power projected across your lifetime. (With real dollars, where goods and services cost the same over time, it is easier to gauge the workability of your lifetime financial and retirement plan.)
  • VeriPlan has no built in obsolescence like so most other financial applications, which require software maintenance contracts and/or force you to make annual repurchases. You can use VeriPlan year after year, and you can update whatever you need to update by yourself. For example, if your tax rates change, you can plug in the new tax rates and keep going.
  • All VeriPlan worksheets provide extensive and readily available documentation -- right where you need it within VeriPlan. There really is no need for a separate manual, although a VeriPlan User Guide Manual is also provided with extensive extra information about lifetime and retirement financial planning and investing.
  • All user data entry points are clearly marked and explained. Only user-changeable cells can be selected by the user, and all such user-changeable cells provide data entry advice and do automatic error checking.
  • VeriPlan provides extensive internal hyper-linking to help you to get around quickly and easily within and between spreadsheets.
  • VeriPlan also provides numerous external hyper-links to articles that have been published on websites that we maintain, and which explain personal financial planning and personal investment management concepts.

High performance home personal financial software

Systems and software platform information

  • VeriPlan is designed for high performance, personal financial projection development. Response to any change that you make is designed to be sub-second, as VeriPlan very rapidly revises all affected parts of your projection scenarios. You can run multiple VeriPlan projections simultaneously for comparison purposes.
  • VeriPlan's core functionality has been rich, robust, and stable for several years. It receives minor enhancements and updates primarily related to annual tax rate and tax limit changes.
  • VeriPlan runs in a standalone configuration. Internet connectivity will augment the information available to you via standard browser hyperlinks, but Internet connectivity is not required to operate VeriPlan.
  • To operate, at a minimum VeriPlan requires a modest capacity Windows or Mac personal computer that runs Microsoft Excel 2002 or later. To check your Excel version, open Excel and choose Help and then About Microsoft Excel. VeriPlan is not compatible with and not supported on Open Office. (By now, very few users still have machines with such old versions of Microsoft Excel, so if you have Excel on any Mac or Windows box, it is very likely that VeriPlan will run on it.)
  • VeriPlan has a large file size and user data has little effect on this file size. As such, opening and saving VeriPlan can take up to a minute. More powerful machines with faster CPUs and more RAM can open and save VeriPlan much more quickly. (VeriPlan running on Excel 2007 or later has a file size of about 25Mb, and on older Excel versions, the file size is about 51Mb.)
  • VeriPlan's financial projection functionality has no software dependencies other than Microsoft Excel 2002 or later. VeriPlan uses an integrated Visual Basic Project that contains no code, and it does this solely for spreadsheet locking and security.
  • VeriPlan contains no macros. VeriPlan makes no external calls, except when a user clicks on a standard hyperlink in VeriPlan, which will invoke your preferred Internet browser to connect to financial websites that have more educational information for you.
  • VeriPlan runs on both MS Windows and Macintosh personal computers. VeriPlan will run on Microsoft Windows personal computers running Microsoft Excel 2002 or any later version, and on Macintosh personal computers. We test on both. VeriPlan is a pure MS Excel application and only makes standard calls to Excel, making it portable across platforms.
  • Microsoft Windows personal computers are the development and functional reference platform for VeriPlan. VeriPlan's minimum test system configuration is an 800 MHz Pentium 3 processor, 256Mb RAM, MS Windows XP (SP-2), and MS Excel 2002 (SP-3).

A scientifically based do-it-yourself

financial planning tools software kit

Developed with objective and in-depth knowledge of

financial, investment, and retirement planning practices

  • VeriPlan's chief architect and lead developer is Larry Russell. He is an experienced comprehensive financial planner and a California Registered Investment Adviser who holds a BS from MIT, MA from Brandeis, and MBA from Stanford.

  • best personal finance software

    Larry Russell, Managing Director

    MBA (Stanford U.), MA (Brandeis U.), and BS (M.I.T.)

    "My goal is to increase your knowledge and improve your ability
    to manage your own personal finance and investing affairs."

  • VeriPlan's chief architect, Larry Russell, has expertise in economics, finance, investments, marketing management, accounting, taxation, probability, statistics, software development, web technologies, and quality control. He also has 25 years of Silicon Valley corporate and startup work experience as a corporate development executive, business analyst, product manager, and CFO.
  • VeriPlan was developed over a three-year period following two years of intensive research into the academic literature on personal financial planning and personal investment management.
  • The original objective of this research was to determine which personal finance and retirement planning strategies work and which do not. This preparatory research lead to Larry's conclusion that the highly interconnected computational details required for truly comprehensive lifetime personal financial, investment management, and retirement financial planning projections could be automated. VeriPlan is the result.
  • Once these myriad computations were automated, and thus hidden, individuals could then use the resulting tool to focus on improving their lifetime financial planning and retirement decision-making.
  • In a nutshell, this explains the origins and objectives of VeriPlan, the do-it-yourself lifetime financial and retirement planner software -- designed with you in mind!

VeriPlan is a great product, a great deal, and a great help
with your personal financial and retirement planning

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ONLY $49.95 for ALL your household Windows and Mac devices

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VeriPlan can help you to understand:

  • How to achieve all your financial goals in a unified and comprehensive lifetime plan
  • What you must save and invest to achieve long-term financial freedom for your family
  • How to prepare for a comfortable retirement with sufficient retirement income and personal wealth
  • When you could afford to buy or upgrade your home to improve your quality of living
  • What you need for future college and private school expenses
  • When you can pay off your debts and live debt free
  • The best balance between retirement account contributions versus taxable investments
  • ... and highly personalized answers to your other personal finance and retirement planning questions

Comprehensive, do-it-yourself financial planning software tools

... the best home use financial planning software at the best value!

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