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Retirement PlanningIntermediate
Retirement Navigator — Couples Edition
The complete budget & retirement planning system for couples planning retirement together after 50 — private, powerful, and jargon-free.
Excel
$59
IntermediateExcelPrivacy First
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
- Instant download. If something is broken or not as described, we'll make it right.
- No subscription — yours to keep
- 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
See inside the workbook
Every working sheet in Retirement Navigator — Individual Edition. Click a sheet to zoom, or use the arrow keys.
Start here
Where you stand
Income in retirement
The projection
Stress tests
The whole picture
Where you stand: your snapshot, the active plan scenario, and a readiness status that updates as the workbook fills in.
Figures shown are sample data, not your numbers.
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 — ask us before you buy and we'll tell you straight.
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
- No subscription — yours to keep
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.
Because these are digital files with immediate access, purchases are generally non-refundable once downloaded. If you hit a technical issue or a broken formula, email us within 30 days and we'll make it right.
Version history
v1.0August 3, 2026
- Initial Merieva release
What we’re exploring
Ideas we’re considering for future editions — not a commitment, and not included with this purchase.
- Annual tax-table refresh
- Additional withdrawal strategy presets
Roadmap items ship when they're ready — no timeline promises.
Zero-risk purchase
Instant download. If something is broken or not as described, we'll make it right. Personal-use license included with every purchase. Commercial licenses available. Questions before you buy? We answer fast.
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