The *Financial Planning Calculator* lets you either design a savings plan to achieve a specific goal:

"I want to have an $8,500 income per month for 30 years. How do I invest my money today to achieve this?"

Or it will show what you can achieve given your current savings plan:

"I'm saving $750 a month. I plan to increase this by 3.0% each year for the next 24 years and I expect my rate of return to be 8.0%. What income can I expect as the result for the following 25 years? Or how long could I expect to receive a $6,000 a month income, assuming this investment plan?"

Initial Assumptions

Setting a Goal

Savings Plan

Cash Flow Schedule

Click an image to view larger screen shot.

This is a general purpose *financial goal planning calculator*. It can be used to financially plan for any future desire or obligation, but it is most frequently used for:

- Planning for the purchase of a home
- College planning
- Retirement planning

**The savings or investment cash flow:** To reach your goal you must save and invest. The contributions made to an investment plan is a series of deposits or investments which are made in order to reach some goal which itself is a cash flow. The Goal Planning Adviser supports the ability to adjust (increase or decrease) the amount of the investment.

**The goal cash flow:** The goal is the cash flow which is the series of withdrawals that will be available as the result of the investment cash flows. Typical examples of goals are college educations and retirement income. Both of these goals require, not a lump sum of money at some future date, but rather an amount of money which can still be invested, that provides a series of withdrawals. It is possible to invest the money during this time assuming a different (usually less aggressive) rate of return from the initial saving period.

To use this adviser, answer the questions about each cash flow. Enter zero '0' for the unknown value.

Savings Growth

Spending

Both Cash Flows

Click an image to view larger screen shot.

So, why should you pay for ours? There are several good reasons. They boil down to "flexibility" and that means better "accuracy".

- Solve for any unknown...solve for:
- periodic savings amount needed to reach the goal
- or what the withdrawal can be after the goal is reached
- or how long it will take to reach the goal
- or how long the withdrawal amount will last
- or what rate of return is needed to reach the goal
- or what rate of return is needed so that withdrawals will last as long as anticipated.

- The calculator reflects real life situations. Plan for an increase in savings.
- Make an allowance for inflation.
- Set the withdrawal so that you only withdrawal the interest earned.
- Use one rate of return for the savings cash flow and another rate of return (more conservative — if you desire) for the withdrawal cash flow.
- Print both cash flows showing the savings amount followed by the withdrawal amount, and the interest earned for the period as well as the balance.
- Charts visually tell the story.
- Save your inputs and results to a file for later review.

Still looking for free?

Here's our free online savings calculator.

Features in common for all calculators.

In a hurry? Here's a short

description of every calculator.

Do you need to confirm or record payments paid on a loan?

If so, then try *C—Value!* and our step-by-step

loan servicing tutorial.

Download a trial of *SolveIT!* to try this calculator.

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Time Value of Money

Calculator

To get this calculator you have 2 purchase options...

*SolveIT!*

-over 40 calculators-

$99.95

*Goal Planning Calculator*

-sold separately-

$9.95

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