Project your lifetime investment assets using a sophisticated, do-it-yourself retirement investment calculator
VeriPlan’s lifetime compound investment calculator retirement software develops customized scenarios that are based on your current personal financial situation and on your goals and objectives for the future. VeriPlan is a sophisticated and fully integrated future value investment calculator that automatically projects the year-by-year future hypothetical investment calculator value for your investment portfolio assets, net of all additions and withdrawals associated with your future earnings, income, and expenditures.
The VeriPlan retirement investment calculator software automatically acts as a comprehensive compound investment calculator that applies historical investment return growth rates to your cash, bond, and stock assets. This powerful home investment calculator can handle individual stocks and bonds, cash, property, and other valuable assets that you may own. Along with the individual securities that you own, VeriPlan also functions as fully integrated ETF and mutual fund investment calculator. VeriPlan automatically projects annual year-by-year future values for your cash, bond, stock, real estate, business, and other property across your lifetime through age 100.
VeriPlan’s long term investment calculator functionality uses return on investment growth rates that are in line with the very long-term historical trend. You have full control over these asset class growth rates, and you can change any of the compound investment growth rates for VeriPlan’s integrated stock investment calculator, bond investment calculator, and cash savings investment calculator functionality.
VeriPlan’s automated projections are presented net of your projected income and investment taxes, because VeriPlan also fully integrates a lifetime capital gains, property, and income tax projection estimator. This tax projection software calculates lifetime federal, state, and local graduated income taxes and the capital gains tax that would be due on future asset distributions. In addition, this do it yourself home retirement investment calculator software will automatically reduce your projected investment returns by the investment expense characteristics of the investments you choose to hold in the future. It calculates these projections according to you choice and settings on one of the five fully integrated asset allocation and annual rebalancing mechanisms provided by VeriPlan.
In addition, VeriPlan’s long term investment calculator functionality has fully integrated features that project the different asset values of your taxable investment accounts and tax-advantaged retirement accounts. This highly sophisticated, yet easy to use financial investment calculator provides IRA investment calculator and 401k investment calculator features, and can also be used to project long term future investment asset values for tax-advantaged investments in 403b, 457, KEOGH, and other retirement savings plan accounts. Moreover, VeriPlan has fully integrated Roth IRA investment calculator functionality that allows you to evaluate the best combination of traditional tax-advantaged retirement account contributions versus Roth retirement account contributions for your particular lifetime financial plan.
A customer comment from the sidebar: "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
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A customer comment from the sidebar: "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
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A customer comment from the sidebar: "You have done a great job of including the necessary instructions in VeriPlan, located close to where the modeling is happening. The thing I like about the VeriPlan User Guide is that it adds substantial additional commentary that I personally find very valuable. I was hunting for a capable and reasonably priced financial planning package, and VeriPlan is an awesome tool. The more I play around with it, the more valuable I find it. Your free user guide was what made me decide to get VeriPlan." C. A. in North Royalton, OH
Financial Planning Software for Individuals
A customer comment from the sidebar: "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
The Best DIY Retirement Planning Software
A customer comment from the sidebar: "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
Financial Planning Software for Consumers
A customer comment from the sidebar: "I have been very happy with this software. I will put VeriPlan to work to help optimize our IRA to Roth conversions, while avoiding the IRMAA penalties if we can. We are in an opportunistic window for the next several years. I have been appalled by the lack of professional knowledge available with respect to the tax burden that will fall upon us when RMDs take effect. Most of the information I have found suggests that it isn't a problem. Luckily, this software will be of great benefit to chart our course." J. S. in Louisville, KY
Family Financial Planning Software
A customer comment from the sidebar: "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
Family Financial Planning Software for Consumers
A customer comment from the sidebar: "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." T. H. in Silicon Valley CA
Financial Planning and Retirement Software for Home Use
VeriPlan also provides a very flexible Portfolio Risk Tool, which enables you to test alternative projection scenarios that use asset class return on investment rate assumptions that may differ from the long-term historical trend. Of course, all VeriPlan supplied investment assumptions are user adjustable. You can change VeriPlan’s investment returns assumptions downward or upward, either arbitrarily or in proportion to historical securities risk measurements.
Past securities risk is measured by long term historical asset class price volatility, and these volatility rates are supplied with this retirement investment calculator software. VeriPlan will also automatically project the investment portfolio safety margin that your cash and bond assets would provide for you relative to your projected future expenditures.
For your property, real estate, and other assets, which lack prices from real-time securities markets, VeriPlan will use the current value and growth rate estimates that you think would be most appropriate for these properties. Using this information, VeriPlan will automatically project the future value of your property, real estate, and other assets net of your investment costs on a year-by-year basis up to age 100. And, of course, VeriPlan will also reflect the future cash flow and tax deduction impacts of your projected real estate tax payments.
This is an example of a seventy-year projection for one couple’s cash, bond, stock, business, and real estate assets. This graphic includes a measure of their projected net human capital (cumulative expected savings from their projected earned income), and it integrates the financial impacts of the payoff of all their debts. These projections also are net of all taxes and all investment fees due along the way. This graphic and all twenty other VeriPlan income, expense, debt, tax, and asset related graphics are automatically and instantly generated for all scenarios that you develop. Make any change to any part of your VeriPlan model and everything updates in a fraction of a second.
A customer comment from the sidebar: "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
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A customer comment from the sidebar: "I do most of my own financial modeling, and I like the way VeriPlan generates “what if” scenarios that I like to compare, such as possibly buying a rental property, selling my house and renting, moving social security retirement age payment timing, and pulling out IRA money after taxes. Plus, I like VeriPlan for its automated projection of detailed investment costs. Thanks for making a great product." K. W. in Naperville, IL
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A customer comment from the sidebar: "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
Financial Planning Software for Individuals
A customer comment from the sidebar: "Larry, Hello again! I've continued to work with VeriPlan, 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." M. W. R. in Austin, TX
Family Financial Planning Software
A customer comment from the sidebar: "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
Family Financial Planning Software for Consumers
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See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
