Based on finite difference (FD) method, recently applied to investigate propagation characteristics of optical waveguides, we verify its applicability to predict the electric field and propagation parameter of planar waveguide for the entire range of normalized frequencies. As a test case, we crosscheck our FD result for symmetric step index planar waveguide and then predict the propagation characteristics of crucial planar waveguide structures like exponential index and Epstein layer model profile. Our findings show high degree of accuracy when compared with published results.