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Best Investment Strategy
- What is the Best Investment Strategy?
- Investment risk and return analysis using VeriPlan’s Excel Monte Carlo analysis features
- Long-term compounded real dollar and inflationary returns for the U.S. cash, bond, and stock asset classes
- VeriPlan Overview 4: Your Investment Portfolio Projections
College Savings Calculator
- Career Education Financial Planning
- College Savings Calculator
- Going Back to College
Debt Payoff Planner
- Debt Payoff Software
- VeriPlan Overview 3: Your Income and Debt Projections
Diversification and Asset Allocation
- Asset Allocation Strategy
- Cash Asset Allocation
- Choose the broadest available whole market diversification
- Concentrated holdings increase portfolio risk
- Diversification and the credit crisis
- Fixed Income Investing
- Measure Your Investment Portfolio Diversification
- Asset Allocation Calculator
- Stock Asset Allocation
- Tactical asset allocation and market timing
- Whole stock market investments versus strategy skews
Income, Expenses, Budgeting and Forecasting
- Lifetime Income Projections
- Monthly Budget Planner Worksheet
- Income in Retirement Planning Calculator Software
- The Value of Future versus Current Consumption
- VeriPlan Overview 3: Your Income and Debt Projections
Investment Growth Calculator
- Cash Asset Allocation
- Fixed Income Investing
- Investment Risk and Return
- Investment risk and return analysis using VeriPlan’s Excel Monte Carlo analysis features
- Investment Risk Tolerance
- Asset Allocation Calculator
- Lifetime Investment Fees
- Projecting the size of your future estate
- Retirement Investment Calculator
- Stock Asset Allocation
- VeriPlan Overview 4: Your Investment Portfolio Projections
Lifetime Savings Calculator
- Lifetime Savings Rate Calculator
- Savings and Withdrawal Rates
Medicare and Healthcare
- Affordable Care Act subsidies and the Obamacare ACA Premium Tax Credit subsidies mechanism
- Medicare IRMAA calculator projects premium subsidy reductions
Mutual Funds and ETFs
- Are ETF expenses really lower than mutual funds?
- Buy investment funds through low cost channels
- Buying low cost mutual funds and ETFs
- Economic ETF trade size cost considerations
- ETFs are for experienced securities traders
- Exchange-traded funds (ETFs) versus mutual funds
- Too few low cost mutual funds and ETFs
- Where to buy investment funds
Personal Financial Planning
- Financial Planning and Identity Theft Prevention
- Guard Your Credit from Financial Identity Theft
- VeriPlan Overview 1: Personal Finance Decisions
- Personal financial planning best practices
- Protect Your Financial Security
Real Estate Planning
- Home Buying Calculator
- Instead of non-traded REITs, buy publicly-traded REIT index mutual funds and ETFs
- Non-traded REITs – relatively lousy investments
Retirement Planning Software
- Best Personal Retirement Planning Software for Consumers
- Deciding when to begin initial Social Security retirement payments
- Comprehensive Retirement Calculator: How to Use the VeriPlan Financial Planner
- Which Roth conversion ladder and Roth contribution strategies are more likely to pay off?
- After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets?
- VeriPlan Overview 6: Ten Automated Lifetime and Retirement Calculator Tools
Retirement Savings Calculator
- IRA, 401k, and Roth IRA Retirement Planning
- Tax-Advantaged Retirement Investment Planning
- Income in Retirement Planning Calculator Software
- Roth Estate Planning Strategies
- Traditional and Roth estate planning with the SECURE Act of 2019
- Traditional Versus Roth IRA Decisions
- What should your lifetime IRA, 401k, and Roth contribution strategies be?
Roth Conversions in Retirement
- Converting to Roth after retirement versus making Roth contributions while working
- Which Roth conversion ladder and Roth contribution strategies are more likely to pay off?
- After Roth contribution or Roth conversion taxes have been paid, are Roth assets more valuable than traditional retirement assets?
- Social Security retirement benefits can significantly increase taxes on Roth conversions
- Using VeriPlan’s year-by-year Roth conversion calculator
Roth IRA Account
- Roth Conversion Planning Software Evaluation
- Roth Conversion Analysis Software and Optimal Strategy
- Roth IRA Conversion Tax Calculator Software
- Roth IRA Conversion Calculator Excel
- Using VeriPlan’s year-by-year Roth conversion calculator
Social Security Calculator
- Deciding when to begin initial Social Security retirement payments
- Social Security retirement benefits can significantly increase taxes on Roth conversions
Tax Planning Software
- 401k Fees and Expenses
- Annual Tax Calculator
- Automated Tax Projection Features in VeriPlan
- How Long-term Capital Gains Taxes are Calculated
- How US federal long term capital gains taxes are calculated – part 2
- Retirement tax calculator and lifetime tax planning software for individuals
- Municipal Bonds and Marginal Income Tax Rates
- Retirement tax optimization strategy
- VeriPlan Overview 5: Federal, State, and Local Tax Projections
VeriPlan Overview
- A Brief History of VeriPlan
- Comprehensive Retirement Calculator: How to Use the VeriPlan Financial Planner
- VeriPlan Overview 1: Personal Finance Decisions
- VeriPlan Overview 6: Ten Automated Lifetime and Retirement Calculator Tools
- VeriPlan Overview 7: Satisfaction Guarantee, Documentation, and Household License
- VeriPlan Overview 5: Federal, State, and Local Tax Projections
- Financial planning Excel worksheet — VeriPlan Annual version enhancements from 2006 through 2026
- VeriPlan Overview 2: Organization and Graphics
- VeriPlan Overview 3: Your Income and Debt Projections
- VeriPlan Overview 4: Your Investment Portfolio Projections
VeriPlan Videos
- Best Personal Retirement Planning Software for Consumers
- Retirement tax calculator and lifetime tax planning software for individuals
- Retirement Financial Planning Excel Software for Consumers
Where to Contact Us
- Contact Form

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Find Home Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Discover Family Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Find Family Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Discover Home Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Financial Planning Software for Individuals

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Financial Planning Software for Consumers

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Family Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Family Financial Planning Software for Consumers

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Family Financial Planning Software for Home Use

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Personal Financial Planning Software

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Financial Planning Software for Consumers

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

Financial Planning Software for Home Use

The Best personal DIY retirement planning software for individuals

See a complete list of VeriPlan's features and capabilities

User Praise for VeriPlan:

"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

"Larry, this software is phenomenal. Wish I would have had it years ago. I can’t think of anything else the tool needs. Right now I feel like a kid in a candy store. I’m just reevaluating many of my decisions with a more comprehensive tool than my self-made Excel spreadsheet."T. H. in Newberry, FL

"The VeriPlan program and materials are extremely well thought out (not to mention voluminous). I think I now have a decent handle on the program, inputs and outputs. Your attention to detail is really impressive, and the analysis is excellent."W. B. in Carmel, CA

More User Praise for VeriPlan

"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

"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

Even More User Praise for VeriPlan

"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 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 update. 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