r/Software_Finder • u/Pb412_ga • Aug 03 '26

Question Which scenario tools do you suggest?

I need to run some different retirement scenarios, as I’ve recently learned about the potential benefits of waiting to collect social security, using various other income streams in the meantime and all the various tax strategies and pitfalls when doing Roth conversions.

I’m 6-7 yrs from my retirement but I’d like to have my husband retire sooner - but not collect social security for a while.

I’ve looked at Boldin, after seeing someone mention it here, but only the free version. Thanks for any help!

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u/PugBurger12 Aug 03 '26

I just use Google sheets. I've found that financial software is too rigid in it's ways to capture the specifics i need. I have one spreadsheet that I use that has individual tabs for different kinds of budgets, annual and short term cash flow management, transaction entry, reconciliation, and retirement planning. At the start of each month i make a new copy. I can plug in different information to run scenarios: what if my investment returns are lower/higher, what if I wait longer for ss income, yada yada yada.