I’m baffled.

My basic profile is very simple: Among other things it assumes my nominal investment return on qualified and unqualified money matches 3% inflation (i.e. zero real return), assumes my wife and I both die at age 100, and inputs as special receipts the payouts of three immediate annuities, two of which are currently paying out, and the third of which is due to start paying out in June of this year. I don’t assume a house sale, insurance, leaving a legacy, or anything else to complicate matters. I plan to retire at the end of 2019.

It only asks for annual premium instead of the initial lump-sum payment. I would like to see the impact of buying a fixed income deferred annuity for us, but, the ESPlanner doesn't seem to be built to take that into account. Please help.