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Your Living Standard

All questions of personal finance begin and end with your living standard.

ESPlanner is the only financial planning software that directly calculates your sustainable living standard.

ESPlanner can tell you if a job change, a housing move, a retirement account contribution, and a host of other financial decisions will raise or lower your living standard.

ESPlanner is also the only software that can tell you how much saving you need to attain a stable living standard, how much living standard risk you face when you invest in stocks, and how different financial and lifestyle choices will alter your living standard.

ESPlanner makes annual discretionary spending recommendations. It then determines your living standard by scaling this recommended discretionary spending by your family size, adjusted for "two can live more cheaply than one" and the relative cost of children.