Smoothing Your Living Standard

ESPlanner balances consuming in the present with consuming in the future.

This is called life-cycle consumption smoothing.

ESPlanner's annual spending, saving and life insurance recommendations help you attain a stable living standard through time.

ESPlanner's spending recommendations take into account your "off-the-top" housing costs, tax payments, retirement contributions, college expenses, etc.

ESPlanner's Lifetime Financial Plan incorporates your household's changing demographics and tax brackets.

ESPlanner incorporates the following factors and more:

  • Your household's size
  • Employee wages
  • Self-employment income
  • Federal income taxes
  • FICA taxes
  • State income taxes
  • Social Security Benefits
  • College expenses
  • Other special expenses
  • Housing costs
  • Retirement contributions
  • Retirement withdrawals
  • Housing decisions
  • Economies in shared living
  • The cost of children
  • And other key factors