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Use this Question Forum to ask questions about how the software works, how to model different "what if" cases, or other user-related question. If you have a support issue (something seems to be wrong with the software) then please create a support ticket. How to browse this forum: SCROLL and click titles to read complete question/answer, use the FILTERS below, pick from TOPICS on the list at right, use the SEARCH BOX (see also "advanced search" when you use it), choose from RECENT COMMENTS at the right below.

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Tags: taxes

We are retired and most of our cash flow is out of our IRA accounts and Social Security. I understand that my quarterly estimated tax payments are not part of our "consumption" or "special" funds and is assumed to be a deduction from income.

Tags: HSA

Is this the best way to track HSA contributions and account balances... (1) enter annual HSA contributions as special expenditures excludible from AGI. I thought about entering them as Roth contributions, but then the taxes wouldn't be calculated correctly.

I am modeling costs for joining a "continuing care retirement community" (CCRC). The contract we are looking at covers all housing, some meals, and medical care for life (from Independent Living through and including Assisted Living, Nursing Home andMemory Unit care), but at a price, of course.

Tags: Age at Death

We increased my date of death from age 85 to 90 on the Demographics tab and now the report shows both of our current ages as 0. We did not change birthdates. How do we correct this?


I've relied on ESPlanner for years and love it. Having entered retirement, though, I need to understand a bit more about what's going on "under the hood."

I have established a detailed plan and I am now starting into retirement.

I'd like to model reductions in future SS benefits but the program will not accept reductions greater than 50%. Is this by design?

Tags: Real Estate

We have 5 years left on our mortgage and I would like to rent out our primary residence next year and buy another house to live in on a 15 year mortgage.
I'd then sell the primary residence (now a rental) in 15 years.
What's the best way to set this up?

I'm simulating a case where the person wants to rent her house indefinitely and never buy a home. She lives in an area where rent increases are large and common. I don't see any way on the "primary residence" tab where she can allow for these rent increases.

Tags: monte carlo

I'm hoping this is something simple I am overlooking. With the profile I have setup I just noticed something I can't explain. I can run an analysis with just Economic-Based Planning. I then activate the Monte Carlo option, with no other changes, and run another analysis.

I'm unclear about the survivor results in Contingency Planning when the Key Ages for converting my 403b and IRAs are set to a later date than the date I'll die (e.g., 70 for the accounts vs 66 for death).

I did a "maximize" on my base profile in Maxifi (I'm sure something similar would be the case in ESPlanner) and the net result was that it shifted a large amount of discretionary spending from pre-retirement to post-retirement.

I cannot seem to locate in the manual or previous questions how to incorporate a passthrough entity into ESPlanner Plus. I have passive ownership in a company that produces capital gains from revenue and primarily negative income from their expenses.

First off, this is a great program! I wish I had it when I was 20 or 30.

Tags: monte carlo

After reading through the release notes in 2.36 and 2.37 and looking at my Monte Carlo reports after recently installing 2.37.2 I have the following questions I hope you can answer:

Tags: MaxiFi

I’m curious about MaxiFi Planner. Unless I’m missing something, I can’t sign up on any sort of trial basis, but I don’t know if it will handle some of the things that affect my finances.

I’m baffled.

The Fortune 500 company I worked for went bankrupt and my pension was transferred to PBGC (Pension Benefit Guarantee Corp.). PBGC shows my pension is subject to a Social Security Offset Amount. On the Pensions input tab do I enter the annual amount before or after the offset is applied?

How do I get the social security benefits to increase each year at the rate of inflation?

This is a retirement spending question. ESP assumes I will take the smoothed consumption and spend it. How would I model the case where I plan to just spend what I estimate I need, and to leave the remainder in place, or perhaps move it from tax deferred IRA to a taxable account?

I am considering making the switch and was wondering if Maxifi could be used to decide if a conversion makes sense. If so, how would I do this?

Thanks much!

I cannot find a definition of "dimensional" stocks to guide the categorization of my portfolio for Monte Carlo evaluation

Tags: MaxiFi

Just now seeing that there is a new software produce called MaxiFi. Will MaxiFi eventually replace ESPlanner? Or is it designed to compliment ESPlanner?

I assume when using Monte Carlo Planning that the Regular Assets Income on the Total Income Report shows the expected mean return for each year, taking into consideration years when historical stock returns are higher in some years and lower in others.


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