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Life-Cycle Consumption Smoothing

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

ESPlanner's annual discretionary spending recommendations help you attain a stable living standard through time.

ESPlanner measures living standard as discretionary spending by per family member, 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.

ESPlanner generates a personal lifetime financial plan, whether you are just starting out, are nearing retirement, or are already retired.