Is it really worth it to buy retirement planning software? Many people want to know the answer to this question. In today’s day and age many people are not reaching their retirement goals, simply from a lack of planning, especially at a younger age. By simply starting to invest your money a young age, you can achieve great wealth upon retirement. Retirement planning software will help you get there. Of course, the question still remains: is it really necessary to buy retirement planning software? There are many free retirement planning software programs offered on the Internet today, which makes this makes this a valid question. The honest reality is this: you can generally obtain all the information needed with free retirement planning software. Generally speaking, paid retirement planning software isn’t really necessary; all you really need, in fact, is start a Microsoft Word document keep track of your income and expenses they are. Microsoft excel also is a valid way to track expenses. Remember the most important part of your retirement planning is to simply keep track of your income and expenses. This is really all you need to do when tracking your money. As long as you’re raking in more money than you are giving out, you are doing fine. You can set up your income and expense tracking in the form of a balance sheet, income statement etc. As long as you’re keeping track of this in some way, that’s the most important part. Unfortunate, countless people do a lousy job of keeping track of their finances, and therefore wonder why they haven’t achieved enough money to retire on when they reach the end of their career. Remember this: the most important part in your retirement planning process is to simply have a plan for what you want to achieve upon retiring. Unfortunately, most people never bother to do this seemingly obvious step. Once you know this, figure out how money you’ll need to achieve those goals, and invest in the most appropriate investment to help you get there. Follow these important tips, and it’s not even necessary to buy retirement planning software. Either way, you will achieve your retirement planning goals.