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Use this Question Forum to ask questions about how the software works, how to model different "what if" cases, or other user-related question. If you have a support issue (something seems to be wrong with the software) then please create a support ticket. How to browse this forum: SCROLL and click titles to read complete question/answer, use the FILTERS below, pick from TOPICS on the list at right, use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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How can ESPlanner be used to model the impact of extra monthly principal payments for a home mortgage on living standard?

I want to put my database in cloud storage so I can access it from different computers which are in different locations (Florida & Connecticut). Can you provide some detailed guidance on how to accomplish this?

OK, how do I get ESPlanner to let me control total spending? It came up with a number that is about double what we actually spend then draws down our regular savings to pay for it. Huh? I really don't care what ESPlanner thinks we should spend.

Over $100 difference between ESP(higher) and AnyPIA from S.S. downloaded program

I've created a comprehensive financial life plan. It's in today's dollars which makes it easier to However, I need to follow this plan for the next few decades. What are some recommended approaches for updating and following the plan over decades?

ESPlanner does not seem to be implementing a WEP reduction to my social security benefits. My situation is the following: I am 70+ and began receiving SSA benefits a few months ago based on covered employment early in my career.

Tags: Pensions

My wife receives a non-covered pension from a state teachers retirement system. She receives a flat amount, not a percent, of a COLA increase annually (e.g. $800/yr). I entered her pension as non-covered with zero % annual increase in ESPlanner.

Tags: Real Estate

I'm planning to put my house on the market next year, to downsize. We'll sell the current house without having bought another, to remain more flexible in terms of market opportunities.

I am wondering how the Nominal Assets Income figure on the Federal Taxes Report is calculated.

Tags: Pensions

When I enter the lump sum payment, it treats it as a taxable event. I have been given the option of rolling over the payout to a self-directed IRA or my employers 401k plan. But I can't figure out how to enter it properly.


When I enter $450000 for value of home and $420,000 for value of home it show my equity as $450,000. I enter the mortgage information but it goes away when I go to another section of the program my Loan Balance is $290,000 so my equity should be $160,000.00

Tags: assets

I want my stock allocation to reduce over time, perhaps -1% per year, sometimes called a "glide path". What are good ways to do this in my ES Planner model? Haave you tried this?

I would like one table that tells me and my wife, for my a given level of spending, the required smooth withdrawal rate and the effect on my assets over the time horizon. When I do this in Conventional Planning I get a huge level of spending in the current year.

Tags: Real Estate

1. Expenses tab, item #5: Is the growth percentage real growth over and above inflation rate?

Tags: Reserve Fund

I don't understand how to use the reserve tab. I want to contribute a set amount of money annually to a reserve fund for a period of ten years. I want the money off limits until the end of the ten years. How do I use the input controls to accomplish this?

Just created a My Social account and noticed that the government's current estimate of my SSA benefit is about 2% lower than ESPlanner. I'm assuming the difference is either due to inflation/cost of living assumptions, or some other assumption about the law going forward. I am 60.

I have gotten much out of the use of ESPlanner over the years, so thanks!

Is there documentation on how to import "Past Covered earnings" in ESPlanner.
I do have an account.
What are the steps to use the "Paste Earnings Data from"
I keep getting the message "Could not find data to import."
Thank you

Tags: Balances

I could've sworn I knew the answer, but can't find it documented to confirm.

Are balances --- e.g. Net Worth report for 2015 -- reflecting the value as of 01/01/2015 or 12/31/2015?


Tags: monte carlo

I'm just starting to play around with user-defined assets.

Why is there no “relative risk” for new funds that I’ve added? Does this matter? Will this affect the way Monte Carlo results are calculated?

Tags: withdrawals

The User Manual indicates that, at least for retirement accounts, that withdrawals will occur in the order specified on the Smooth Withdrawal screen, i.e. say IRA's before Roth IRA's.

In this topic on stock options, distinction was made between wages and taxable special income, with respect to the FICA Medicare part A tax. That brought a question to mind.

Because social security is cola adjusted over the years, is the NPV effectively the sum of all years collected? I'm using this to calculate total assets for portfolio asset allocation.

In the year 1, 2015, on the Retirement Account report the displayed retirement income is calculated using the real rate of return but the displayed retirement assets include retirement income that has been calculated using the nominal rate of return.


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