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Retirement Planner

Retirement Planner will help you list your expenses, assets and investments to project your financial needs now through the remainder of your career and into retirement. The program uses simple worksheets for input, allowing you to enter personal data, investment data, assets, income and expenses. The program automatically compensates for the time value of money, the calculations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations. The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you monthly living expenses, the return on your investments and inflation as well as income taxes and social security payments. Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable. The program allows each scenario to be saved to a named file, you can easily develop multiple scenarios and compare the results. You can print the data and graphs for each scenario. The on-line users manual contains complete, screen by screen instructions on how to use the program as well as an overview of the retirement planning process.

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Budget21.com

Budget21.com is a universal business planner for playing through the future of the company. A Web-based application enables an entrepreneur to prepare rolling budgets or a complete Business Plan. Budget21.com is a novel planning and budgeting tool - business simulator, which helps a manager to perceive better the functioning of his business. It is a software service which helps a decision-maker to foresee and play through "what if" situations. Budget21.com automatically generates solutions to expected economic performance and business situations. The quality of decisions will improve, as the expected situations can be played through in the computer. Thanks to business simulation, the opportunities and objectives of the company become clearer and it is possible to prevent crises and avoid management errors. Budget21.com shows what the cash flows, profitability and financial indicators of the company will be like in the future. It will be easy to determine additional financing needs, select timing for capital expenditures and plan the payment of dividends. The entrepreneur will also learn about the value of his or her company. On the basis of the inputs, Budget21.com will automatically prepare Budgets, Income Statements, Cash Flow forecasts and Balance Sheets, and will use the main financial indicators to characterise the value and profitability of the business in the course of five years, calculating each indicator by months. Budget21.com automatically compiles a full-lenght Business Plan consisting of the strategy and the financial projections. Besides entrepreneurs, Budget21.com is convenient also for bankers who can now use a common Web-based business model together with the loan applicant instead of handling business plans presented on paper. Budget21.com is a 100% Web-based application, the software is used as a service. No software is installed, it is sufficient to have an ordinary Web browser and Internet connection.

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RichOrPoor

RichOrPoor is a software for individuals, families and some small companies to manage and analyze their financial affairs. With over 33 types of reports or charts which can be customized, you will exactly know your assets and liabilities, income and expenses, and also control your budgets and investments. RichOrPoor can manage most aspects of personal financial affairs including cash, common assets, savings, checking, credit cards, liabilities, creditor's rights, loans, investments, insurance, budgets etc. Using RichOrPoor, you can, firstly, accurately record different financial transactions; secondly, arrange different scheduled transactions; thirdly have a well-thought-out plan to set budgets; fourthly master assets and liabilities situation; fifthly grasp and analyze income and expenses; sixthly track and analyze investments.

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MoneyManager

A full featured Business Accounting Program, with Check Printing, Invoicing, Expense Tracking, Checkbook Balancing, Income Reports, Expense Reports by category and time period, Business Profit/Loss,Check Register Report, Completed and Incomplete Invoice Reports, Print Statements and Labels, Create and Print Deposit Slips, Post Income from sources other than Invoiced (On-Line Store etc), Invoice Continuation (Start,Save,then addon) Adds posting of Service Completion Data as created by one of our Dispatching Programs. Should be used in conjuction with a Dispatcher, Dispatcher Deluxe or Scheduler.

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Account Xpress

Account Xpress is a personal finance management and budget planning software loaded with features designed to help you manage your money easily and efficiently. Track and reconcile transactions for virtually any kind of account (credit cards, savings, checking, credit line, cash, etc.). Budget management is made easy with the help of user-defined income and expense categories, budget projections, and budget versus actual comparison reports. A tree view structure helps you access the information you need quickly and easily. Features include presentation of a global cash flow picture, calculation of net income over any given period, two distinct methods for managing your budget, transaction splitting into many accounts and/or categories, transaction schedules, transaction templates, support for multi-currencies, unlimited number of budget category levels, numerous charts and reports related to your financial and budget activities. Create recurring transactions that are generated automatically at the proper time. Define and use transaction templates to quickly create transactions that recur at irregular intervals. With budget projections, you can now say exactly when and how much you are planning to earn or spend on a specific budget category. Password protect your file to prevent unauthorized access to your data. Import data from Quicken Interchange files (qif) and Open Financial Exchange files (ofx and qfx). Copy selected entries from any list to the clipboard for pasting into other applications such as Word or Excel. Category and payee management is simplified with the ability to easily merge together two categories or two payees at any time. Re-locate categories and payees in the tree view with simple click-and-drag operations. Backup your file automatically with the new backup utility. Know where your money goes and stay in control with Account Xpress. This program benefits anyone serious about controlling their personal finances, and managing their budget.

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Retirement Savings Planner

Quick. Simple. Visual way to plan your Retirement Savings strategy. Are you saving enough for retirement? Retirement Planner will tell you the answer. The intuitive one screen design will help you develop a savings strategy to reach your retirement income goals. The easy-to-read Principal Graph shows you your growing savings balances. The Income Graph clearly shows you in red if you cannot meet your specified retirement income goal. It's that easy. This software works with all types of retirement plans and assets including 401(k), IRA, 403(b), 457, SIMPLE, and any other defined contribution plan. "It is one of the most helpful, and easy to use, pieces of retirement planning software I've seen. Thanks." R. Gibson Retirement Planner makes planning easy by combining all of your retirement assets, savings, and variables into one simple program and includes: Current Age Retirement Age Annual Salary Estimated Annual Raise Retirement Income Goal (in Today's Dollars) Tax Deferred Investments - Current Balance Tax Deferred Investments - Annual Contribution Tax Deferred Investments - Company Match Tax Deferred Investments - Annual Return Taxable Investments - Current Balance Taxable Investments - Annual Contribution Taxable Investments - Tax Bracket Taxable Investments - Annual Return Pension - Annual Amount Pension - Start Age Return During Retirement Estimated Annual Inflation Social Security Estimate Retirement Planner allows you to enter multiple assets for your tax-deferred and taxable investments and analyzes all of your assets together for easy analysis. As seen in Business Week, Barron's, PC Computing, and PC World, this popular Retirement Planner was rated 5 stars by ZDNet (their highest rating) and highly rated by AAII. Continually updated since 1995.

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Budget Advisor

With so many everyday expenses involved in running a household it is essential to plan ahead by creating a monthly budget. Without some form of budgeting you will almost certainly spend more each month than you intended. Budget Advisor allows you to take control of your monthly budget and keep track of your money. No more wondering where your money went each month - Budget Advisor will give you a detailed breakdown of your spending. It allows you to break up your budget into different categories, each of which may contain different budget items. You can use existing categories and item or you can create your own. You can then enter your budgeted expenses for the month to calculate a total monthly budget. At the end of the month you can enter your actual expenditure. Budget Advisor provides detailed reporting and graphs of what you have budgeted against what you actually spent allowing you to see whether you have been budgeting effectively. All reports and graphs can be printed out allowing you to keep written records. Budget Advisor includes a duplicate feature allowing to you duplicate budget items across more than one month. This means that you don't have waste time entering the same expenses every month. Just duplicate an expense once and save time. Budget Advisor will also allow you to import your previous years budget each year so that you don't have to start building your budget from scratch.

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Financial Statement +

Program Description: FINANCIAL STATEMENT+ This program is arranged in a typical lending institution format.Although it may not be in the format required by any given institution it provides all the information necessary for completing an actual financial statement. This form has been accepted as-is by many financial institutions nationwideand is interactive so that data need be supplied only once to complete a statement. Printouts are professional looking and may be used by financial planners and lawyers in assisting a client to prepare a statement of their financial condition as well as their current income and expenses.

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Personal Finances +

Program Description: This program is a compendium of 8 personal finance type programs. They include: 1. Anpenpay.EXE - This program demonstrates the length of time an annuity or a pension payout will last conditioned on the amount of monthly payments to you and the interest that will be earned on the balance. 2. Autoloan.EXE - These calculators may be used to compare loan types, proposed "deals" and periods of financing as well as the effects of various interest rates. 3. Finastmt.EXE - This is a standard personal financial statement that is widely accepted in by banking and mortgage lender institutions. 4. Growmony.EXE - You may be overwhelmed by this time-value of money invested analysis. 5. Porteval.EXE - Track your investments in stocks, bonds, or mutual funds with this program. 6. Portfund.EXE - This program gives you a place to input the financial data for a given stock so that you might better forecast its performance. 7. Retirinv.EXE - You can calculate the amount of money you need to be investing monthly to provide a monthly withdrawal supplemented by Social Security, pensions, annuities or other income sources. 8. Savpengr.EXE - This program will calculate a complete annuitization schedule for regular deposits over a duration of up to 40 years.

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Retirement Investment Required +

Program Description: RETIREMENT INVESTMENT REQUIRED This program is a version of a program that will show you how much you need to invest monthly to reach retirement goals. It will run under Win 95, 98, Me, NT4, XP, & 2000. Have you called the Social Security Hotline (1-800-772-1213) to verify your estimated monthly SS benefit so that you can evaluate the monthly shortfall you may experience? This program calculates the amount of money required to provide a given monthly income at retirement with or without withdrawing capital, which, when added to your Social Security monthly benefit, will show your condition. You can then calculate the additional monthly deposits you need to make to retire with financial security. Printouts are professional looking and may be used by financial planners as they assist clients in keeping individual stock portfolio records.

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