Retirement Readiness Range Planner

See how your retirement assumptions work together.

A transparent planner that turns savings, spending, timing, benefits, and one-time events into three annual illustrations - plus sensitivity and a professional-meeting summary. Now includes the double-click app; the 13-sheet Excel workbook is still included.

What the planner does

• Three annual paths - low, base, and high remain assumption labels, not rankings.
• Nominal and today-dollar views - the basis stays visible.
• Benefits and life events - record dated estimates and one-time inflows or outflows.
• Shortfalls stay visible - see depletion age and cumulative unmet spending.
• Nine sensitivity cells - shift return by plus or minus 2 points and spending by plus or minus 15%.
• Professional summary - bring a redacted snapshot and focused questions.

What's included

• Double-click local app - the planner's inputs, scenarios, sensitivity, and checks in one file that opens in your web browser. No install, no account, and no internet connection needed.
• Retirement Readiness Range Planner workbook with 13 sheets
• 10-page Buyer Guide
• Printable Professional Conversation Sheet
• License, limitations, changelog, and manifest

How it works

1. Keep an untouched master copy.
2. Open the app (or the workbook) and replace the fictional inputs with aggregate, dated information.
3. Review Checks and fix any FAIL.
4. Read scenarios and sensitivity together.
5. Use the redacted summary to prepare questions for qualified professionals.

Good fit

Adults roughly age 45-65; want assumption visibility; willing to verify data and consult professionals.

Not designed for

Monte Carlo probability, forecasts, readiness scores, tax/RMD/Medicare rules, healthcare analysis, allocation, securities, benefit calculations, claiming optimization, recommendations, or individualized advice.

Compatibility and privacy

The app runs in a current desktop web browser and makes no network requests. The workbook is designed for current Microsoft 365 Excel desktop; other spreadsheet applications can alter formulas, validation, or formatting and are unsupported. Use aggregate values and aliases. Do not enter credentials, account numbers, Social Security numbers, earnings histories, or unredacted statements. Local files are not represented as encrypted or confidential.

License

Purchaser's personal or household use only; resale, redistribution, public upload, and commercial reuse are prohibited. Everstack Studio may issue version 1 corrections or compatibility updates when appropriate; perpetual updates and future major versions are not promised. The refund policy posted on the store at the time of purchase governs refunds. For educational and planning purposes only; not financial, investment, tax, or legal advice.