NewIntermediateExcel

Retirement Navigator — Couples Edition

The complete budget & retirement planning system for couples planning retirement together after 50 — private, powerful, and jargon-free.

$59one-time purchase

Instant digital download
30-day money-back guarantee on every product.
Free lifetime updates to this version
Personal-use license included

Overview

Retirement Navigator — Couples Edition is a complete, private, do-it-yourself retirement and budgeting system built for two. It's designed for couples planning retirement together after age 50 — without a subscription, without handing your financial data to an app, and without a finance degree.

Enter both spouses' details once, and the workbook projects whether your combined savings, Social Security, and pensions will support your retirement lifestyle through your 90s. Model Social Security claiming strategies, Required Minimum Distributions, Roth conversion opportunities, and healthcare costs — then stress-test the whole plan against market downturns.

Every figure lives in one private file on your computer. Nothing is sent anywhere.

Features

What this tool does

Built for two: both spouses' ages, benefits, and accounts in one joint plan
Year-by-year retirement projection through your 90s
Social Security claiming-age modeling for both spouses
Required Minimum Distribution (RMD) and Roth conversion planning
Healthcare cost planning, including Medicare/IRMAA awareness
Sequence-of-returns stress testing — see how early downturns affect your plan
Retirement Readiness Gauge with automatic Action Items
Clean, printable reports to review together or share with a professional

Benefits

What changes for you

One plan for both of you

Instead of two separate calculators and a guess, both spouses' Social Security, pensions, and accounts flow into a single joint projection you can actually talk through together.

Answers the scary question

Will the money last? The projection shows your savings year by year — and the stress tests show how the plan holds up when markets don't cooperate.

Private by design

No account, no app, no data sharing. Your numbers stay in a file you own, on your computer.

Who it's for

Couples 50+ planning retirement together
Couples deciding when each spouse should claim Social Security
DIY planners who want professional-grade projections without advisor fees
Anyone preparing for a productive meeting with a financial or tax professional

Who it's not for

Single planners — see the Individual Edition instead
Anyone wanting an app that syncs to bank accounts automatically

Honest fit matters more to us than a sale — that's what the 30-day guarantee is for.

What's included

Everything in the box

Excel workbook (.xlsx) — Mac, Windows & Excel for the web (Microsoft 365 recommended)
Welcome & Instructions tab with a 10-minute quick start
Plain-English glossary (RMD, FRA, IRMAA, Roth conversions, and more)
Printable report pages
Free lifetime updates to version 1.x

Questions

Frequently asked questions

The Couples Edition plans for two: both spouses' birthdates, retirement ages, Social Security benefits, and pensions feed one joint projection, so you can coordinate claiming ages and withdrawals as a household.

Tax brackets, IRMAA thresholds, and RMD tables reflect the year the workbook was built. We recommend a quick annual check against current IRS and SSA guidance — and updates within version 1.x are free.

No. Everything is pre-built — formulas, charts, and dashboards are ready to go. You only type into clearly marked input cells (they’re highlighted), and a Welcome tab walks you through setup in about ten minutes.

Yes. The workbook is a standard Excel file (.xlsx) that works on Mac, Windows, and Excel for the web. Microsoft 365 is recommended for the best experience.

The workbooks are designed and tested for Microsoft Excel. Google Sheets can import .xlsx files, but some advanced formulas and charts may not convert perfectly, so we don’t officially support Sheets at this time.

Completely. This is a file you own, on your computer. There’s no account, no cloud sync, and no data collection — your numbers never leave the workbook.

Every purchase includes a 30-day money-back guarantee. Email us and we’ll refund you — no hoops.

Version history

v1.0August 3, 2026
- Initial Merieva release

On the roadmap

Annual tax-table refresh
Additional withdrawal strategy presets

Updates to this version are always free for existing customers.

Zero-risk purchase

30-day money-back guarantee on every product. Personal-use license included with every purchase. Commercial licenses available. Questions before you buy? We answer fast.

Pairs well with