NewIntermediateExcel

Retirement Navigator — Individual Edition

A complete, private, do-it-yourself retirement and budget workbook built for one person — projections, Social Security, RMDs, Roth conversions, and stress tests.

$49one-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 — Individual Edition helps you organize your finances, project whether your savings will last, and make confident decisions about Social Security, taxes, and withdrawals — all in one private workbook.

Work through the foundation tabs (net worth, cash flow, spending plan, emergency fund, debt, investments), enter your Social Security estimate from ssa.gov, and watch the Dashboard update: your Retirement Readiness, portfolio outlook, and Monte Carlo success rate, calculated automatically.

An included Example Plan shows you what a completed retirement strategy looks like before you enter a single number of your own.

Features

What this tool does

Complete financial picture: net worth, cash flow, spending, emergency fund, debt, investments
Year-by-year, after-tax projection of savings, Social Security, and pension
Social Security claiming-age modeling
RMD planner and Roth conversion planner
Healthcare cost planning
Monte Carlo stress test and sequence-of-returns analysis
Example Plan tab — see a finished strategy before you start
Printable one-page summary for advisor or tax-pro meetings

Benefits

What changes for you

From scattered accounts to one clear picture

Foundation tabs pull your whole financial life into one place, and the dashboard turns it into answers: where you stand, and what to do next.

Test the plan before you live it

The Monte Carlo stress test runs your retirement through hundreds of market scenarios so you know how sturdy the plan really is.

Ten minutes to get started

Sensible defaults are provided for every assumption. Enter what you know now and refine as you go — the quick start takes about ten minutes.

Who it's for

Individuals planning retirement on their own terms
Anyone within 15 years of retirement who wants a real projection
DIY planners who'd rather own their plan than rent an app
People preparing questions for a financial or tax professional

Who it's not for

Couples planning jointly — the Couples Edition coordinates two of everything
Anyone wanting automatic bank syncing

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
Example Plan tab with realistic sample data
Plain-English glossary (RMD, FRA, IRMAA, safe withdrawal rate, and more)
Printable report pages
Free lifetime updates to version 1.x

Questions

Frequently asked questions

Yes. The earlier you start, the more options the projection reveals — though if your focus is day-to-day money and debt, Budget & Debt Navigator may be the better first step.

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