That is true. You can avoid this however if you use a 72(t) election and take substantially equal periodic payments for a period of time.
72(t) can also be used to arbitrage marginal tax rates in the event someone might expect higher income later in life (when RMDs kick in), allowing you to draw down IRA balances faster than if waiting until 59.5.....not common but can happen.
That software does exist, but is usually inside a fee-based program to which financial planners subscribe. It allows for lots of variable inputs, changes in rates of return, inflation rates for specific items (healthcare vs. housing), varying expenses as you age, and differential capital or income streams over time (inheritance / buy-out / deferred comp, etc).
You could probably spend a few hundred bucks and have a fee-only planner run a bunch of scenarios for you, but for most of the DIY online stuff, you're stuck with the cookie-cutter input/output.