VeriPlan's investment growth calculator helps you to understand the projected value of your cash assets across your lifetime
To develop your lifetime projections, the VeriPlan financial planning software allows you to enter as many as 24 separate cash and cash equivalent asset holdings. For each of your current cash holding in your investment portfolio, you can also enter your investment costs and your tax basis. In addition, you can indicate whether you hold a particular cash asset in a taxable, in a traditional IRA or other traditional retirement plan account or in a Roth IRA or Roth 401k account.
Using the information that you provide about your current cash, bond, and stock holdings, VeriPlan's future value calculator software will automatically project the net worth valuation, investment cost, and tax characteristics of your investment portfolio across your lifetime. In addition, VeriPlan's personal cash flow analysis capabilities will project your year-by-year positive and/or negative net income from earned income and other non-asset income sources, after your annual living expenses would be paid. Then, VeriPlan's net worth calculator will automatically project your return on investment and net worth broken down by asset class. VeriPlan will calculate your annual investment returns net of investment costs and investment taxes, according to the particular asset allocation method you have chosen from the five provided by VeriPlan's asset allocation tool.
Simultaneously, VeriPlan will automatically take into account and report on your investment costs and on your capital gains tax and other tax obligations. Your VeriPlan lifecycle projections always maintain a separation between your taxable accounts, your traditional IRA, 401k, and other traditional retirement savings accounts, and your Roth IRA and Roth 401k retirement accounts. Taxes on your projected asset returns and withdrawals will be applied differently, depending upon the current rules for each type of account.
Your current investment portfolio costs allow VeriPlan to measure the cost efficiency of your financial investment portfolio related to the five major types of investment costs. VeriPlan's cost efficiency measurements are weight-adjusted by the value of the assets that you are projected to hold in each of your cash, bond, and stock asset accounts across you lifetime.
Internally, VeriPlan maintains separate information for each of your individual investment asset accounts throughout your lifecycle projections. This very detailed approach allows VeriPlan to project automatically your overall portfolio tax efficiency and investment cost efficiency for each year of your lifecycle projection. VeriPlan does this even though the net values of your individual asset holdings may change at different rates due to differences in investment appreciation, costs, and taxes. By completely avoiding the use of arbitrary averages across groups of investors, VeriPlan provides you with much deeper insight based on your personal financial planning for your lifetime.
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"The Skilled Investor", "Skilled Investor", "VeriPlan", "Personal Finance Software for Your Lifetime", "Do it Yourself Financial Planning", and "Your Personal Financial Lifecycle Planner" are trademarks of Lawrence Russell and Company. All other trademarks and service marks are the properties of their respective owners.
DISCLAIMER: This information is solely for your personal household finance purposes and is subject to the Terms of Use. It does not constitute financial, investment, or retirement planning advice. It is not a solicitation or offer to sell advisory services in any jurisdiction. You should seek professional advice, if you need help with budgeting, savings, investing, asset allocation, or asset management, including help in analyzing calculator returns, discounted cash flow, compound interest growth, return on investment, net present value, future values, net worth, or any other output of our calculators.