America's Top Financial Planning Tool - And It's Free!

ESPlannerBASIC suggests how much you should spend, save, and insure each year to achieve a stable living standard, now and through retirement, without borrowing.

ESPlannerBASIC can help you raise your spending power and make lifestyle decisions. It shows the living-standard impacts of changing jobs, contributing to retirement accounts, having children, down-sizing your home, retiring early, waiting to collect Social Security, and much more.

ESPlannerBASIC considers your economic resources, federal and state taxes, and "off-the-top" (non-discretionary) spending on housing, college, etc. in making annual discretionary spending, saving, and life insurance suggestions.

ESPlannerBASIC was developed by Laurence Kotlikoff, Professor of Economics at Boston University, and other professionals. After you try ESPlannerBASIC, consider doing more advanced planning with our download programs available at