PlanMode: Retirement Planner8.2 - App Store

COMPREHENSIVE FINANCIAL & RETIREMENT PLANNING
Stop wondering if you will have enough to retire. PlanMode is the comprehensive financial planning app designed to take the guesswork out of your future. By projecting your current financial profile, PlanMode analyzes whether you will have sufficient resources for your entire lifetime.

KEY FEATURES
. Lifetime Projections: Visualize your wealth trajectory from today until age 95+.
. Gap Analysis: Instantly identify potential shortfalls in your retirement savings.
. Scenario Testing: What if you retire at 62 vs 67? See the impact in seconds.
. All-in-One Dashboard: Integrates your budget, investments, and savings in one display.
Don't just save-plan with confidence. Start with PlanMode today.

COMPREHENSIVE SYSTEM
PlanMode is a comprehensive financial & retirement planning system for analysis needed to answer questions like-
. How does my projected financial profile look?
. Should I start taking Social Security benefits at age 66 or wait for larger payments at age 70?
. When will I have enough capital to retire on my terms?
. What will be the bottom-line impact of a new investment?
. Is buying a house is better for me than continuing to rent?
. Is my family protected for their needs if I am disabled or die?
PlanMode can help you analyze these and other situations. It is easy to use and its usage is limitless; you could use it to analyze almost any financial scenario which impacts just in the current year or many years to come.

KEY FEATURES
. Complete financial profiles, including-
- Bank accounts
- Retirement accounts
- Business & Investments
- Stocks & Bonds
- Insurance policies
- Real estate
- Mortgages & loans
- Cash management simulation
- Social security
- Income taxes
. Compare financial alternatives
- Unlimited what-if scenarios
. Prepare retirement profile automatically
- Determine lifelong capital needs
- Analyze liquid capital sufficiency
- Alternatives to fill capital shortfall
. Prepare disability profiles automatically
- Analyze cash flow sufficiency
- Alternatives to fill cash shortfall
. Prepare death profiles automatically
- Determine survivor’s capital needs
- Analyze income sufficiency
- Alternatives to fill cash shortfall

REPORTS & CHARTS
PlanMode has a complete set of financial & retirement planning statements. PlanMode provides you with comprehensive analysis of retirement and other financial scenarios for lifetime capital needs and the capital available for its fulfillment. When capital resources are not sufficient PlanMode provides suggestive courses of action that may fill the shortcoming. The following reports are available for each scenario-
. Financial Planning illustration
. Retirement Planning illustration
. Income Statement
. Balance Sheet
. Cashflow Statement
. Supporting Information
. Capital Needs Analysis
. Pie charts for annual snapshots
. Line charts projecting full profile

COMPREHENSIVE PLANNING APP
Additional financial & retirement planning features include -
. Profiles for singles and married spouses
. Planning span of up to 100 years
. Retirement planning profile and analysis
. Disability profile and analysis
. Survivor’s profile and analysis
. Automatic cash management simulation
. Detailed annual cash flow analysis
. Personalized data input items
. Customizable financial statements
. Ample graphs & charts for quick overview
. Scenario comparison for what-if analysis
. Export data to ExecPlan or Express
. Definable national & local income taxes
. Built-in USA income taxes
. Predefined product structures for-
. Individual Retirement Accounts
. Company Retirement Plans (401k)
. Self-employed Retirement Plans
. Mortgages
. Life Insurance
. Fixed & Variable Annuities
. Charitable Annuities
. Reverse Mortgages

ABOUT US
Sawhney has been providing professional financial systems for over four decades. Our application, ExecPlan was the first commercially available such software in USA in 1976. 

Version History This version includes the new Custom Planning Tools along with the following modifications –
1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including:
a. IRA Roth conversion analysis
b. Maximizing Social Security benefit
c. Analyzing your choices of the age to retire
d. Comparing long term impact of a lumpsum payment versus an annuity
e. Comparing a taxable investment with a tax-free investment
f. Will owning a home works better then renting one
2. Expanded retirement planning, including:
a. Choice of entering a traditional IRA or Roth IRA (new)
b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new)
c. Auto compute Required Minimum Distribution – RMA (new)
3. USA income tax update. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications –
a. Seniors’ add-on deduction and limitations (new)
b. State And Local Tax (SALT) deduction and limitations (new)
c. Medicare Premium auto computation with Roth income exclusion (new)
4. Report displays enhancement (new): Projected financial reports can now be seamlessly scrolled across the entire planning horizon
5. Quick help icons added to select menu and input items (new)
6. Several minor enhancements 8.2 Mar 24 This is a major enhancement with Custom Planning Tools. It includes the following –
1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including:
a. IRA Roth conversion analysis
b. Maximizing Social Security benefit
c. Analyzing your choices of the age to retire
d. Comparing long term impact of a lumpsum payment versus an annuity
e. Comparing a taxable investment with a tax-free investment
f. Will owning a home works better then renting one
2. Expanded retirement planning, including:
a. Choice of entering a traditional IRA or Roth IRA (new)
b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new)
c. Auto compute Required Minimum Distribution – RMA (new)
3. USA income tax update. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications –
a. Seniors’ add-on deduction and limitations (new)
b. State And Local Tax (SALT) deduction and limitations (new)
c. Medicare Premium auto computation with Roth income exclusion (new)
4. Report displays enhancement (new): Projected financial reports can now be seamlessly scrolled across the entire planning horizon

5. Quick help icons added to select menu and input items (new)
6. Several minor enhancements 8.1 Mar 5 This is a major update adding new and improved planning capabilities as follows:

1. Custom Planning Tools (new) – a collection of planning utilities for some of our most-requested planning abilities. These efficient tools provide stand-alone as well as fully-integrated what-if analysis and automated result comparison for several scenarios including:
a. IRA Roth conversion analysis
b. Maximizing Social Security benefit
c. Analyzing your choices of the age to retire
d. Comparing long term impact of a lumpsum payment versus an annuity
e. Comparing a taxable investment with a tax-free investment
f. Will owning a home works better then renting one
2. Expanded retirement planning, including:
a. Choice of entering a traditional IRA or Roth IRA (new)
b. Option to automatically compute future IRA withdrawals as a percentage of living expenses (new)
c. Auto compute Required Minimum Distribution – RMA (new)
3. Implemented One Big Beautiful Bill (OBBB) provisions and other tax modifications –
a. Seniors’ add-on deduction and limitations (new)
b. State And Local Tax (SALT) deduction and limitations (new)
c. Medicare Premium auto computation with Roth income exclusion (new)
4. Report displays enhancement (new):
Projected financial reports can now be seamlessly scrolled across the entire planning horizon
5. Quick help icons added to select menu items (new)
6. Several minor enhancements 8 09/15/2025 Highlights of this version include-
• Refined projections for Needs Analysis
• Enhanced cash management simulation
• Refined capital needs analysis in later years when liquid capital depletes
• Enhanced ability to compare financial alternatives
• Updated US Income Tax computations for 2025 Tax Year 7.2 05/09/2025 Highlights of this version include-
• Enhanced displays for Needs Analysis
• Enhanced cash management simulation
• Refined capital needs analysis in later years when liquid capital depletes
• Enhanced ability to compare financial alternatives
• Updated US Income Tax computations for 2025 Tax Year 7.1 05/04/2025 Highlights of this version include-
• Enhanced displays for Needs Analysis
• Enhanced cash management simulation
• Refined capital needs analysis in later years when liquid capital depletes
• Enhanced ability to compare financial alternatives
• Updated US Income Tax computations for 2025 Tax Year 7.0 12/13/2024 Highlights of this version include-
• Enhanced cash management simulation
• Refined capital needs analysis in later years when liquid capital depletes
• Enhanced ability to compare financial alternatives
• Updated US Income Tax computations for 2024 Tax Year 6.0 09/14/2024 Highlights of this version include-
• Updated US Income Taxes for 2024 tax year
• New options at startup to explore app features with sample tutorials
• Enhanced ability to compare financial alternatives
• Expanded data input capability for variable annual values 5.2 09/04/2024 Highlights of this version include-
• New options at startup to explore app features with sample tutorials
• Enhanced ability to compare financial alternatives
• Expanded data input capability for variable annual values
• Enhanced projected financial profile 5.0 07/02/2023 Highlights of this version include-
• Expanded data structure providing ability to control future growth of each item individually if needed
• Enhanced retirement graphics
• Updated 2023 income tax computations for USA planners
• All reports and graphs can be emailed as PDF docs
• Enhanced navigation for multiple display screens 4.2 03/26/2023 Highlights of this version include-
• Expanded data structure providing ability to control future growth of each item individually if needed
• Enhanced retirement graphics
• Updated 2023 income tax computations for USA planners
• All reports and graphs can be emailed as PDF docs
• Enhanced navigation for multiple display screens 4.1 03/13/2023 This version adds to the flexibility in projecting financial profile data in future years. Each data item can now be projected individually without regards to default settings of its category. It also includes-
• Enhanced data entry grid for ease of data input
• Expanded Start-up menu to include additional retirement related items
• Modified capital needs analysis and its graphic presentation 4.0 12/13/2022 This version includes-
• Enhanced navigation for multiple display screens
• Enhanced retirement graphs
• New choices for default display when a new plan starts
• Reports and graphs available as emailed PDFs 3.6 10/12/2022 This version includes-
• Enhanced navigation for multiple display screens
• Enhanced retirement graphs
• New choices for default display when a new plan starts
• Reports and graphs available as emailed PDFs 3.5 10/12/2022 This version includes-
• Enhanced Projected Financial Profile display for switching alternate views
• Updated USA income tax computations for 2022
• Modified display of large projected values
• Reports and graphs can be printed as emailed PDFs 3.2 08/03/2022 This version includes-
• Enhanced Projected Financial Profile display for switching alternate views
• Updated USA income tax computations for 2022
• Modified display of large projected values
• Reports and graphs can be printed as emailed PDFs 3.1 03/07/2022 New financial, retirement, death and disability projection displays.
• Multiple presentations to view a plan from different perspectives
i. Retirement perspective with a Level-of-Preparedness gauge
ii. Birdseye view of the entire planning span
iii. Numeric perspective
• New enhanced numeric keypad for quick input
• Graphs enlarge when tapped and can be set as the default view
• Reports and graphs can be emailed as PDFs 2.3 09/14/2021 New Easy-to-relate financial, retirement, death and disability projection screens. They includes-
• Multiple presentations to view a plan from different perspectives
i. Retirement perspective with a Level-of-Preparedness gauge
ii. Birdseye view of the entire planning span
iii. Numeric perspective
• All graphs enlarge when tapped and can be set as the default view
• All reports and graphs can be emailed as PDFs
• Data input expanded to account for post-retirement business income 2.2 07/28/2021 New high-impact graphic presentations for financial projections, retirement, death and disability. It includes-
• Multiple presentations to view a plan from different perspectives
i. Retirement perspective with a Level-of-Preparedness gauge
ii. Birdseye view of the entire planning span
iii. Numeric perspective
• All graphs enlarge when tapped and can be set as the default view
• All reports and graphs can be emailed as PDFs
• Data input expanded to account for post-retirement business income
• For USA users app is updated for 2021 US income taxes 2.1 05/07/2021 New high-impact graphic presentations for financial projections, retirement, death and disability. It includes-
• Multiple presentations to view a plan from different perspectives
i. Retirement perspective with a Level-of-Preparedness gauge
ii. Birdseye view of the entire planning span
iii. Numeric perspective
• All graphs enlarge when tapped and can be set as the default view
• All reports and graphs can be emailed as PDFs
• Data input expanded to account for post-retirement business income
• For USA users app is updated for 2021 US income taxes 2 04/23/2021 • Ability to retrieve last saved plan while in Quick Plan Startup menu
• Updated templates to approximate income taxes for countries and states
• Built-in income taxes for USA are updated for 2020 1.21 01/23/2020 • Updated templates to approximate income taxes for countries and states
• Built-in USA taxes updated for 2020
• Ability to retrieve last saved plan while in Quick Plan Startup menu 1.20 01/18/2020 This update includes-
• Ability to retrieve last saved plan while in Quick Plan Startup menu
• Modified main result display. Default view now displays two profiles: First Year of the plan and the Year Prior to first Retirement Year. It can be changed in Settings
• Updated USA income taxes. Income taxes for other Countries and States can be approximated with the built-in templates
• Expanded free input and usage options for large plans 1.19 09/14/2019 This update includes-
• Ability to retrieve last saved plan while in Quick Plan Startup menu
• Modified main result display. Default view now displays two profiles: First Year of the plan and the Year Prior to first Retirement Year. It can be changed in Settings
• Updated USA income taxes. Income taxes for other Countries and States can be approximated with the built-in templates
• Expanded free input and usage options for large plans 1.18 01/07/2019 • Ability to retrieve last saved plan while in Quick Plan Startup menu
• Modified main result display. Default view now displays two profiles: First Year of the plan and the Year Prior to first Retirement Year. It can be changed in Settings
• Updated USA income taxes for 2018 TCJA. Income taxes for other Countries and States can be approximated with the built-in templates
• Expanded free input and usage options for large plans 1.17 09/22/2018