The question of when to take Social Security still bothers me, despite hearing the arguments and seeing the impact in ESPlanner. I'm curious to see what ESPlanner would say if I took Social Security now and invested the monthly payments, versus waiting and potentially getting less, or nothing. I can easily do Future Value with an online calculator, but I'm not seeing a way to include this aspect with ESPlanner. Seems like a pretty simple thing, but I must be missing it?

Thx

Hello, I deleted my savings for the first two years of $10,000/year and the .pdf report still shows those amounts as part of the spending. Any way to get the report to reset?

I am confused as to why ESPlanner shows negative savings under the Annual Suggestions. I don't need it for the income, there is enough of that.
In the attached image the software recommends I unsave for several years and then in the last year before retirement it suggests I borrow ~$63000. Am I missing something?
Thanks

Hi -

This maybe an unfair question to ask in this forum.

However, I am wondering if anyone is familiar with using both ESPlanner and Torrid-Tech Retirement software.

1) In reading reviews, I am under the impression that ESPlanner is more difficult to use than Torrid Technologies software. I am looking for an accurate program that is easy to use. Could anyone comment on this?