Your personal finance profile in VeriPlan (VeriPlan Overview: Part 3 of 7)

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The VeriPlan financial planning software with its wide variety of fully integrated financial calculators and investment calculators uses your inputs about your financial situation and investment portfolio to develop your current projection baseline. VeriPlan collects the following personal financial information:

Your Initial Ages:

VeriPlan is a lifecycle projection model for 1 or 2 "earner/users" from 18 to 100 years old and for their family. Your personal financial planning projection can begin at any age from 18 to 99.

Your Earned Income:

Regular earned employment and/or self-employment income can be projected for each user. Each user can chose different expected income growth rates. Annual earned income levels and earned income growth rates can be adjusted independently for each earner in any employment year, even after the planned retirement age.

Your Pensions & Annuities:

VeriPlan projects up to 10 separate pensions and annuities. For each pension or annuity, VeriPlan automatically projects: a) the dollar amount of the monthly payment, b) separate real dollar growth rates before and after the first payment, c) whether pension payments and annuity payments begin at a specific age or at each user's planned retirement age, d) duration of payments, and e) taxability of payments.

Your Other Income:

The VeriPlan financial software allows you to enter information about the other income sources you expect to have, which are taxed at ordinary income tax rates. VeriPlan uses standard IRS 1040 "other income" source categories. You can set the number of years that your other income sources would continue and make real dollar growth rate adjustments. VeriPlan also provides a table that enables you to enter year-by-year positive and negative adjustments to your other income, including different annual real dollar growth rates.

Your Debts:

VeriPlan provides an integrated mortgage calculator and loan calculator that automatically projects the pay-off of up to 25 current debts. You can separately categorize your debts as consumption-oriented and investment-oriented debts. You can plan for the accelerated repayment of any or all debts. Interest on selected debts can be tax-deductible. VeriPlan also automatically manages mortgage repayments on your planned future home purchases.

VeriPlan is a Great Product, a Great Deal, and a Great Help with Your Personal Financial Planning.

VeriPlan information has been updated here -- >>

<-- Go to part 2 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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