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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 (think of them as folders), use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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Using 2.29.4 and looking at the Annual Suggestions report, the LSPA is identical to the Discretionary Spending even though I am running the report for two adults and I assume that 2 can live as cheaply as 1.6. What am I doing wrong? Which column is correct?

It appears that ESPlanner builds a .xls file and attempts to load into Excel when the "Excel" option is chosen for Report output. However, I use Libre Office rather than Microsoft Office. When I try to create the Excel view, the program only throws out some error messages.

My wife and I are fortunate to have assets at a level where it is recommended we consider purchasing long-term care insurance.

My spouse has 17 years working in a state school district that did not take out social security (she essentially gets a pension, like social security, from the state).

How do I model selling my primary home and my vacation home becoming my primary home so that when I sell it 3 years later I can use the tax exemption?

My husband has just started receiving social security at age 62 benefits. He is 9 years older than I. I want to defer my benefits until age 70 and get spousal benefits starting at age 67. How do I set the dates in ESP? What I've tried doesn't show my spousal benefits

Tags: monte carlo

I am running version 2.29.4 of ESPLannerPlus (Build 492). I was starting to use the Monte Carlo section to add my real securities. After I clicked on the "New" button, I noticed this at the top of the "Define a new asset" dialog box:

Just wanted to say that I really like ESP. I'm hoping some retirees can chime in with their success stories about how they've successfully used ESP. Who has followed the recommendations year after year and has it worked out as you expected?

I'll admit, social security benefits calculations have always been a mystery to me; I've never taken time to sit down and calculate my potential benefits.

I've been playing around with the conventional planning method. The guidance in ESPlanner says:

Under the "Retirement Accounts -> Key Ages" tab in ESPlanner, I've configured smooth withdrawals from my retirement accounts to begin at age 60 and end when I turn 69.

Tags: FICA

My wife has no earned income, but ESPlanner is showing her as paying FICA taxes every year. What is driving this?

I am a US citizen currently residing in Malaysia. Can E$Planner accommodate the tax implications of foreign residence? Thanks!

I just bought ESP Plus yesterday, and have created one "family" for myself. I created two other sample families and immediately deleted them, but the program now will not let me create any additional families -- it says I only get 4. But I only have one! Please help.

Tags: Excel

When ESP is generates reports they are opening in Excel {Compatibility Mode]. There is only one workbook and no tabs as in earlier reports.~H.

Tags: Pensions

I have an entry in the Pensions tab for a previous year (2012) for a pension that has 0 inflation indexation. In the reports the value for the pension for 2015 has been discounted from the value that was entered in 2012.


I have some questions about the Life Insurance Recommendations. I have read the User Manual and other posts about Life Insurance so I believe that I understand the systems' approach but am still a bit unclear about the recommendations and how to properly interpret it.

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: PDF

After my latest download, there is a watermark on the report that says This serves no purpose, and makes the report unreadable. How do I remove it? My email address if

Specifying D or TD in Pension and Annuities tab has no effect on annual payout of pension. The pension shows a 3% decline per year in both cases. How do I get this to report correctly?


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