@TempusFugit - Yes, I've been using New Retirement for 5+ years. I update it every couple of years or so. What I really like about it is the ability to turn on and off one time events - like a house sale, or inheritance.
I've also signed up with PlanVision, so that I can use eMoney for modeling (the same tool used by Fidelity). PlanVision is $299 for the first year, and then $8 per month thereafter. They keep it cheap because you do ALL of your own data entry, and they force you to estimate retirement expenses. They then spit out an income and expense cashflow plan, which is useful. We're checking in again with them this next month, as we're getting close too, and I'd like some guidance on when DH should apply for his Social Security income.
I also have used a "flat" spreadsheet for ~ 10 years now. Each row is a year, and each column is an income source. Some sources have inflation adjustments, once they're "turned on."
Since each row is a year, I can make adjustments to income in the future, by adding income at the intersection of "my age in 2035" and "Sandi claims Social Security". And then future cells in that column have a 2% inflation adjustment.
It's really helpful - I have IRMAA-snapshot year at age 63 noted (to keep income under the IRMAA tier); I have claiming age of SocSec for DH and for me; I have notes of the year the mortgage is paid off; a big expense year when we do some house upgrades.
It may not be 100% accurate, but it gives me a path to plan for - and so far, it's astonishing at how well the plan has evidenced itself to align with reality. Thus far, at least.
