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After entering specific income for work years I see a minor discrepancy in the amount in the pdf report. For some reason the last 2-3 years income is less than that inputted by a small and seemingly arbitrary amount. This was consistent for each person (a couple).

I observe that some special expenditures and receipts for the last year of life are not reported as spending / income. What are the guidelines for these in the last year? Are they dependent on a month?

I want to look at different states to live in to compare cost of living, taxes...
or even different cities within a state.
Where or how can you do these different scenairos?

I anticipate inheriting both a Regular IRA and a Roth IRA sometime in the future.

What items do I add up to determine Current savings?

Is it?

Net take home pay -
net retirement contributions -
housing loan
= what I save???????

Thank you.

The 401-k after-tax balance should be entered into the "ROTH accounts" totals based on prior questions. This does address the tax exemption on withdrawal but does not address the taxable gains since ROTH balances are tax exempted.

Doing a "what if" I entered a real estate property. How do I delete it now that it's been tested?

When trying to generate report I get this Error message: "Couldn't open PDF file. Check to see if output filer file is already opened in the reader. Close the file and rerun the report."

When I run an economic model I'm finding a jump in consumption in out years... what typically contributes to this?

Tags: annuity

What is the easiest way to model with or without annuities and to see the results without having to create another database? Tried to find the answer, not finding it. Thank you

What are the minimum system requirements to run ESPlanner Plus? Will it run on this?
Lenovo - IdeaPad 100s 11.6" Laptop / Intel Atom Z3735F/ 2GB Memory / 32GB eMMC Flash Memory / Webcam / Windows 10- Red
The sole use of this laptop would be for running ESPlanner

Under Assumptions > Taxes:
Is the data item "Percentage change in taxes" expressed in points or pct? If my marginal rate is 35%, would a 2% value in this field take it to:
- 37% (ie - a 2-point increase) OR
- 35.7% (ie - a 2% increase)

I am not clear on what the Monte Carlo simulations are estimating when I use the Conservative Spending option. Can someone explain, perhaps by taking one simulation for one year, and indicating what assumptions are used to generate the living standard and real asset income?

I'm sure this has been answered plenty, but my search function keeps sending me back to the Home page. Here's the question, then:
How to comprehend "maximum indebtedness" in the Assumptions section?

When I run ESPlanner assuming conservative spending, is it correct that the Details and Suggestions section of the PDF report assume that I spend, and earn, zero real return on my investments, in each year until the last year when no assets are left?

On the details report, my husband's social security income jumps from the correct amount in 2016 up by $13K in 2017. Why? (He has been retired for 4 years, has been collecting SS since he was 65; he is now 78.)

My husband has a variable annuity from his employer. The annuity screen appears to consider only fixed annuities. How can I enter this asset?

NY residents are exempt from State Income Tax on public pensions and 403b's (teachers, civil servants, etc).
How do we remove the state income tax ESP automatically calculates (and which then impacts std of living)?

I completed some energy efficient upgrades to my home which I am financing through a special assessment through property taxes. The increase in property taxes only lasts 20 years, but my plan goes for 30+ years. Any way to input that special tax?

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