Why does the ESPlanner show negative savings?


I am confused as to why ESPlanner shows negative savings under the Annual Suggestions. I don't need it for the income, there is enough of that.
In the attached image the software recommends I unsave for several years and then in the last year before retirement it suggests I borrow ~$63000. Am I missing something?

ESPlanner versus Torrid-Tech Retirement Software


Hi -

This maybe an unfair question to ask in this forum.

However, I am wondering if anyone is familiar with using both ESPlanner and Torrid-Tech Retirement software.

1) In reading reviews, I am under the impression that ESPlanner is more difficult to use than Torrid Technologies software. I am looking for an accurate program that is easy to use. Could anyone comment on this?