VeriPlan's future value calculator software helps you to understand the projected value of your bond and fixed income assets across your lifecycle
To develop your lifetime projections using the VeriPlan personal financial planning software, you can enter as many as 24 separate bond and fixed income asset holdings. For each of your current bond and fixed income holdings, you can also enter your investment costs and your tax basis. In addition, you can indicate whether you hold a particular bond or fixed income asset in a taxable account, in a traditional IRA, 401k or other traditional retirement plan investment account or in a Roth IRA or Roth 401k account.
Using the information that you provide about your current cash, bond, and stock asset holdings, VeriPlan's investment growth calculator functionality will automatically project annual net worth, which are net of the investment cost, and tax characteristics of your current financial investment portfolio. VeriPlan also provides automated cash flow analysis and projects your year-by-year positive and/or negative net income from your earned income and other non-asset income sources, after your annual living expenses would be paid. Then, VeriPlan automatically projects your return on investment and investment portfolio growth, according to the particular asset allocation method that you chose from among the five user customizable methods that are provided with VeriPlan's asset allocation tool.
VeriPlan acts as an annual income tax estimator and asset tax estimator for every year of your lifetime. VeriPlan automatically takes into account and reports on your investment costs and your projected capital gains tax obligations. Your VeriPlan lifecycle projections always maintain a separation between your taxable accounts, your traditional IRA, 401k and other traditional retirement investment accounts, and your Roth IRA and Roth 401k accounts. Taxes on your projected asset returns and withdrawals are applied differently, depending upon the current rules for each type of account. Your current investment costs allow VeriPlan to measure the cost efficiency of your financial asset 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 hold in each of your cash, bond, and stock asset accounts across you lifecycle.
Internally, VeriPlan maintains separate information for each of your individual portfolio accounts throughout your lifecycle projections. This very detailed approach allows VeriPlan to project automatically your overall portfolio tax efficiency and investment 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 returns growth, costs, and taxes. By avoiding the use of arbitrary averages across groups of investors, VeriPlan can provide you with much deeper insight into your projected personal financial planning circumstances.
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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.