Comparison Chart

Lifetime Financial Planning      
Multiple Families and Profiles      
Detailed Inputs      
All Social Security Collection Options      
ROTH Conversions      
College Saving Strategies      
Retirement Spend-down Strategies      
Upside Investing      
Monte Carlo      
Includes DFA Funds      
Professional Tools      
Annual Renewal  $70
Related Products and Services  
Expert Review (current customers)  $250 per hour  $250 per hour  $250 per hour
Maximize My Retirement Income  $1500  $1500  $1500

The ESPlanner download products run on PC/Windows or on the Macintosh using windows emulation software.


ESPlanner is our acclaimed lifetime financial planning tool. It calculates what you should save, spend, and insure to maintain your household’s living standard through time. Whether it’s choosing careers, switching jobs, taking Social Security, managing retirement accounts, downsizing your home, or moving states, ESPlanner can find safe ways to significantly raise your living standard. The $149 first-year cost covers all updates. If you have purchased this version of ESPlanner in the past, your annual update licenses will show $70 above. Handles up to four households with unlimited profiles per household.

  • Does not include Monte Carlo or Upside Investing features, but otherwise contains all the power of ESPlanner PLUS.
  • Users enter average nominal rate of return on assets with options to change those rates at some future date.
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