Retirement Readiness Planner for Couples 50-65 (Excel)

Wondering if you have enough to retire? The Retirement Readiness Command Center is an interactive Google Sheets & Excel planner that calculates your FI number, projects your portfolio year-by-year to age 95, optimizes when to claim Social Security, plans the Roth conversion window between retirement and RMDs, and shows the healthcare bridge before Medicare — all in one place.

🎯 The 10-year retirement checkup you've been meaning to do. You're between 50 and 65. The kids are grown or nearly. You have "some" saved but no honest picture of whether it's enough — or WHEN you can walk away. This planner gives you and your spouse that picture in an afternoon.

Type in your accounts, contributions, target lifestyle and Social Security estimates. Every tab recalculates: your FI number, projected portfolio at retirement, drawdown year-by-year, the Roth conversion window, and the RMDs waiting at 73/75.

✅ WHAT IT DOES FOR YOU

• Know your Number. Enter your target retirement spending and it computes the portfolio you actually need — using the classic 4% rule, adjustable to 3.5%-4.5%.

• See if your money lasts. A year-by-year drawdown projects every year from today through age 95, with Social Security and Medicare baked in and a color-coded "status" column.

• Optimise Social Security. Compare monthly benefits at 62, 67 (FRA) and 70 for both spouses — with survivor-benefit implications noted.

• Bridge to Medicare. Calculate the true cost of ACA/COBRA coverage from retirement to 65, then Medicare Part B + Medigap + IRMAA once you're on Medicare.

• Find your Roth conversion window. The low-tax years between retirement and RMDs at 73/75 are usually a six-figure tax-savings opportunity. This tab sizes yours.

• Plan for RMDs. The 2026 IRS Uniform Lifetime table is built in — projects your Required Minimum Distributions from your first RMD year onward.

• Get organized. A Legacy checklist tracks wills, POAs, beneficiaries, and all the documents your family will actually need.

📚 WHAT'S INCLUDED - 13 TABS

Start Here guide · Interactive Dashboard · Setup · Assets · Contributions · Retirement Number · Social Security · Healthcare Bridge · Drawdown Plan · Tax Strategy (Roth) · RMD Calculator · Legacy Checklist · Glossary — PLUS a self-contained interactive HTML dashboard.

💵 BUILT-IN 2026 FIGURES

401(k) limit $24,500 + $8,000 catch-up (or $11,250 super catch-up 60-63) · IRA $7,500 + $1,100 catch-up · SS COLA 2.8% · SS wage base cap $184,500 · Medicare Part B $202.90 · IRMAA MFJ threshold $218,000 · RMD ages 73/75.

✓ IDEAL BUYER

✓ US couples ages 50-65 planning retirement

✓ DIY retirement planners who want the numbers themselves

✓ People weighing "what year can I retire?"

✓ Anyone doing a mid-life retirement checkup

✓ FIRE and Coast-FIRE aspirants aged 50+

🖥 WORKS WITH

Google Sheets (free) and Microsoft Excel. Fully fillable, all formulas built in. Color coded so you always know which cells to type in.

⚡ INSTANT DIGITAL DOWNLOAD

Get it immediately after purchase. No physical item shipped. Make your own copy and use it year after year.

⚠ Educational planning tool — NOT financial, tax, investment, or retirement advice. Projections use simplified assumptions. Social Security, Medicare, IRMAA, and RMD rules change. Always confirm your plan with a licensed fiduciary financial planner and a CPA before making irreversible decisions.