Not much will happen if you don't use financial planning software. In fact, not much will happen either way. You won't lose anything, really, but you won't gain anything either. You'll probably just have a lot harder time achieving your goals, if you achieve them at all.
I'm not saying that you have to buy a piece of software in order to make your financial goals. I'm just saying it will be a lot easier. It would even be easier just to use the free programs, so it's not a matter of price. You don't have to pay a price.
The idea is that you want things to be as simple as possible. Make things more simple. There is no reason why things need to be excessively complicated. Simplify the process and you'll get there faster and easier.
Sign up for a free program or design your own spreadsheet. Make it work. When it does, you'll be so glad you went ahead with it.
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