This high-fidelity personal financial model gives you a complete and accurate picture of your spending, saving, investing, and path to retirement!
Watch the introductory videos over on our YouTube channel.
Features...
- Job, pension, Social Security, and retirement income for both you and spouse
- Multiple, custom asset classes with user-defined fine-grained returns for tax treatment
- User-specified inflation rate
Multiple Accounts
- Five predefined accounts with accurate tax treatment: cash, taxable investments, tax-deferred for you and spouse, tax-free
- Starting balances and returns for each account
- Annual or percentage band rebalancing within accounts
- Customizable composite asset allocation drawn from all available asset classes within each account
- Capital gains/basis tracking/taxation in taxable accounts, including special capital gains tax rates
- Penalty for early withdrawal from tax deferred accounts
Flexible Financial Events
- Unlimited custom financial events: deposits, withdrawals, transfers, earned income, pensions, or real property
- Earned income events include retirement contributions, company matching, self employment, and tax withholding
- Real property events include taxes, annual costs, purchase costs, sales costs, down payment, APR, mortgage term, and early payoff
- Fine-grained event inflation/deflation controls
Taxation Accuracy
- Detailed US federal tax calculations using inflation-adjusted marginal tax brackets!
- Support for U.S. Tax Cuts and Jobs Act of 2017 including new tax brackets and standard deductions, limits on state/local tax and mortgage interest deductions, and new Qualified Business Income deduction
- Filing status, personal exemptions, standard deductions, itemized deduction for mortgage interest
- Additional standard deduction at age 65
- Social Security: percent taxable based on AGI/filing status, maximum taxable earnings, refund of excess Social Security tax
- FICA/payroll taxes, self-employment tax
- Required Minimum Distributions (RMDs) starting at age 70
- High-income taxation: Personal Exemption Phaseout, Medicare Surtax, Net Investment Income Tax
Extensive Output
- Tabular and graphical output for cash flow and net worth
- Detailed year-by-year log documents all program settings and input, financial event transactions, account growth, tax calculations, event inflation, asset allocation and tax rate statistics, and account balances
- Results displayed in today's or future dollars
Calculations and Help
- Average return analysis (Historical and Monte Carlo analyses planned for future releases)
- Carefully validated against other leading retirement and tax calculators
- Extensive help system with explanation of all financial terms
Based on technology from the popular blog Can I Retire Yet?
Refer to the Ekorau forum posts over on Releases for a full release history.
You are allowed to use this product only within the laws of your country/region. SharewareOnSale and its staff are not responsible for any illegal activity. We did not develop this product; if you have an issue with this product, contact the developer. This product is offered "as is" without express or implied or any other type of warranty. The description of this product on this page is not a recommendation, endorsement, or review; it is a marketing description, written by the developer. The quality and performance of this product is without guarantee. Download or use at your own risk. If you don't feel comfortable with this product, then don't download it.
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