Life-Cycle Consumption Smoothing

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

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

ESPlanner measures living standard by scaling your discretionary spending by family size, adjusted for "two can live more cheaply" and the relative cost of children.

ESPlanner keeps your living standard stable as income, taxes, "off-the-top" expenses on housing, 401(k)/IRA contributions, college, etc., and family size change.

You can use ESPlanner to make a personal lifetime financial plan—whether you are just starting out, are nearing retirement, or have already retired.