VeriPlan's Organization and Graphics (VeriPlan Overview: Part 2 of 7)

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The VeriPlan personal finance software provides 34 user accessible worksheets organized into groups that have the same colored tabs. VeriPlan provides extensive internal and external hyper-linking to help you to get around quickly. VeriPlan's primary worksheet groupings and the number of worksheets in each group are:

  • Information worksheets (4)
  • Input worksheets, including User Profile and Tools worksheets (12)
  • Graphic al output worksheets (20)
  • Consolidated data ouput worksheet (1)
  • Comparison Tool worksheets (4)

Financial Calculator Projection Graphics

Each of VeriPlan's twenty automated projection graphics covers ages 18 to 100 years in yearly increments. The current age of the primary user will determine the initial age of each graphic, and then the projection graphics will continue through age 100. If for some reason, you do not wish to see all years through age 100 you can control that age when projecions cease. These lifecycle graphics automatically project your annual:

1: Gross earned income, retirement income, and other income (real $/yr)

2: Ordinary, major planned, and adjusted expense budget plus income taxes, employment taxes, & property taxes (real $/yr)

3: Pre-debt profit, after expenses and taxes (real $/yr)

4: Debt payments for consumption- and investment-oriented debt (real $/yr)

5: Profit, after expense, tax, and debt payments (real $/yr)

6: Pre- retirement savings rates -- with and without investment-oriented debt payments (%/yr)

7: Tax payments in eight categories (real $/yr)

8: Average tax rates in eight categories, as a % of earned income, retirement income, and other income (%/yr)

9: Gross and net human capital, which is your remaining ability to earn and save (real $/yr)

10: Financial portfolio assets with net human capital (real $/yr)

11: Financial portfolio asset allocation (%/yr)

12: Net financial portfolio asset withdrawal rates (%/yr)

13: Total assets with net human capital and debts (real $/yr)

14: Taxable and tax-advantaged financial assets (real $/yr)

15: Taxable and tax-advantaged financial asset deposit and withdrawal transactions (real $/yr)

16; Pre-tax returns on cash, bond, and equity assets with excessive investment costs (real $/yr)

17: Pre-tax returns on cash, bond, and equity assets with excessive investment costs (%/yr)

18: Lost returns due to excessive past and future sales load payments (real $/yr)

19: Cash, bond, and equity assets with cumulative assets lost to excessive investment costs (real $/yr)

20: Financial, property, & other portfolio assets with cumulative assets lost to excessive investment costs (real $/yr)

21: Asset portfolio "safety margin" (years going forward)

Projection Data

The VeriPlan integrated financial calculator also automatically provides a master data worksheet that provides a consolidated table with all the annual data that VeriPlan uses to draw each of its projection graphics.

Constant purchasing power dollars

All VeriPlan financial planning projections extract inflation and use real or non-inflationary dollars with constant projected purchasing power.


VeriPlan Is Simply The Best Financial Planning Software You Can Buy!

<-- Go to part 1 of the VeriPlan Overview

About the Author
best personal finance software
Larry Russell
MBA (Stanford University)
MA (Brandeis University)
BS (M.I.T.)

All content on this website is written by me. My goal is to provide in-depth and objective knowledge about what really works in personal finance and investing, so that you can increase your knowledge and improve your ability to manage your own financial affairs.

  • I am an experienced financial planner, the author of extensive personal finance publications on the web, and the developer of the sophisticated VeriPlan DIY lifetime financial planning software. At a creaky 70+ years of age (it's an old picture), I have gained expertise in economics, finance, investments, accounting, taxation, probability, statistics, and software.
  • In 2003, I began development of a highly automated and customizable lifetime financial planning application, VeriPlan , which I designed to serve as a decision support toolset for my advisory clients. In 2006, I released a standalone configuration of VeriPlan that do-it-yourself individuals can use themselves.
  • VeriPlan is the most automated, customizable, and sophisticated do-it-yourself lifetime financial planning software available directly to end users at a very reasonable price. To learn more about VeriPlan, click on the graphic at the upper left of this page.
  • I am also that author of several books. My most recent book is the "Buyers Guide to Low Cost No Load Mutual Funds ." This ebook will improve your understanding of investing by summarizing what the research literature indicates does and does not work when investing. It conveniently provides a directory of the lowest cost, diversified no load mutual funds available to US investors for direct investing. Included are over 200 of the very lowest cost mutual funds in 30 global, international, and US stock, bond, real estate, and money market fund asset categories.
  • This book delves into what is a mutual fund and it clarifies why only certain funds are worth owning. With it, year after year you can easily save money and time, while increasing diversification, lowering risks, and dramatically reducing investment costs. This ebook will help you to put your investing strategy on autopilot and allow you to get on with your real life.



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