ESPlanner finds your annual spending targets! It suggests what you can spend each year without running out of money and having your living standard fall. This spending target is based on all current and future resources minus all current and future taxes as well as other off-the-top expenses such as mortgage payments.

Other planning tools ask you to set spending targets on your own using crude rules of thumb like the "80% of pre-retirement income" rule that can be wildly off the mark.

ESPlanner doesn't ask you to plan for yourself. And its lifetime budgeting comes with fully integrated plans for annual saving and life insurance purchases.

Here's the best thing about ESPlanner. No matter what your age, you can use it to find safe ways to raise your bottom line—your living standard.

You're young? Use ESPlanner to help decide which job to take, whether to go back to school, when to have kids, how much house you can afford, which mortgage is best, how much to put in Roth and regular retirement accounts ...

You're middle age? Use ESPlanner to decide whether to switch jobs, how much to save, how best (e.g., via 529 plans) to save for your kids' college, and . . .

You're older? Use ESPlanner to decide when to retire, which Social Security benefits to collect and when, whether to do a Roth conversion, if you can afford to divorce, how much to help your kids, . . .

You're retired? Use ESPlanner to decide which retirement accounts to tap and when, whether to downsize your home, whether to buy an annuity, whether to move states, whether you can afford that fancy boat, how to set a floor to your living standard while still investing in the market, . . .