See into your financial future with arguably the most advanced personal financial model available at any price. Comprehensive help and simplified input get you started fast. Detailed assets/real estate, income, and expense input. Optimize retirement withdrawals with the most accurate tax calculations available in a personal retirement calculator.
Handles Social Security, ACA, Medicare, HSAs, RMDs, QCDs, Roth conversions and much more. Graphical and tabular projections for the highest-fidelity analysis of your financial independence plan.
Catherine R., Sparta, NJ
Shayne B., Santa Rosa, CA
Mark H., Seattle, WA
Precise definition of lifetime income for two married partners, including employment income, pensions, Social Security benefits, taxable and non-taxable windfalls, miscellaneous other income, annuities and inherited IRA’s, from which it produces detailed income projections
Detailed definition of current and future expenses, including healthcare, real property (such as your residence), rental property, raising and educating your children, charitable contributions and other expenses, from which it produces detailed expense projections
Bases account growth on the definition and characterization of up to 10 asset classes with separate taxation characteristics and up to five time-oriented asset allocations for regular, tax-deferred and Roth accounts
Models complex pension arrangements
Models 529 plans, Qualified Charitable Donations, term life insurance and cash value life insurance
Models Health Savings Accounts
Stuart Matthews, the designer and developer of the Pralana Retirement Calculator, is a retired electrical engineer, systems integrator and program manager. He received a bachelor’s degree in electrical engineering from the University of Texas at Austin and had a rewarding career in the defense industry with Bendix, Rockwell International and Raytheon, retiring in early 2009.
From Darrow Kirkpatrick: “PRC/Gold is an incredible value, given the amount of savvy domain knowledge and software skill embedded in this impressive tool. Considering the potential hundreds of thousands of dollars at stake in managing your retirement nest egg, the price seems trivial. Add to that an extensive User Manual (a rarity with any software these days) that can teach you a great deal about retirement planning in itself, and same-day support via e-mail from the extremely knowledgeable developer (also a rarity), PRC/Gold is simply a superb analytical tool – arguably the highest fidelity retirement calculator available – and a great value.”