If you look at the Regular Assets report you'll see the two columns on the far right keep a running total of the regular assets balance. The Regular Assets column on the far right shows the running balance as the Saving (or dissaving) in the Saving column (the number on its left) is added to the previous year or subtracted from the previous year (number above it) to create the new running total. These numbers in Regular Assets in the far right column reflect the end of the year balance converted to today's dollars. That Regular Assets running balance goes to $0 at the end of life.

Does that help?

No, that's simply showing the return on your assets in today's dollars. So of course if your regular assets are set to earn 3% nominal (see Assumptions) and inflation is set at 3% (see Assumptions) then you'll see $0 income each year on your regular assets in today's dollars (but of course that's better than negative, which means you are at least keeping up with inflation). The money going into or out of regular assets each year is in the Saving column. It's either saving or dissaving. So in Annual Recommendations you see the amount to save into regular assets (note, this amount doesn't come out of your discretionary spending) or withdraw from regular assets. That same number is also shown in the Regular Assets report.

Just to be clear: when you "save" (the saving column has a positive number) that amount is not coming out of your discretionary spending number as listed. It's an amount available to you to save and still have the discretionary spending amount. When it is a negative number, it's the amount you need to withdraw in order to obtain or sustain that discretionary spending number.

I'm not sure which version you're using and have experience only with the downloaded version. I'm guessing the reports are the same or similar to those in the web version, if that's what you have.

In my version, the regular assets tab in the Suggestions report clearly shows Savings as negative or positive. When negative, those are withdrawals from regular assets. When positive, you have excess income from other sources and are increasing regular assets, rather than withdrawing them.

In the simplest view, the Saving column is calculated by taking
Total Income - Total Spending - Taxes = Saving (or dissaving)

You don't want to count things twice. To see what constitutes total income see the total income report; to see what constitutes total spending, see the total spending report.