When you order the Cash Flow Projector it comes with the Budget Tool, above.

This is by far the most comprehensive, powerful, and flexible personal finance software for taking a current snapshot of a family's incomes and expenses, and then projecting everything up to 75-years into the future. You can control every dollar in every year only with this personal budget software.

Features:

• The personal budget software takes each expense in three categories - fixed, variable, and debt service; and then adds the inputted annual inflation rate to determine the next years' numbers. To keep it simple, you can use a global inflation rate to make everything inflate at the same rate with just one input.

• You can change each expense's inflation rate, which can even be negative, and you can manually override each expense amount in every year. This gives you total control over every dollar in every year.

You can also stop any income or expense in one year, and then bring it back in a future year. You can also start a new income or expense in any future year, even if it doesn't currently exist (and then have it last just one month or one day or be just $1). You have total control and can do anything you need.

• The personal budget software also projects all incomes using the same global rate of increase and/or being able to control every dollar in every year.

• It has duplicated cash flow projection sheets so you can adjust your normal times expenses to account for disability of one, or both, breadwinners. Then the (monthly) deficit numbers display the amounts of disability or nursing home insurance you'd need to buy to protect your standard of living.

• This personal budget software gives you total control over forecasting incomes and expenses into the future, so you can nail down how much you'll be spending during retirement. You'd then integrate these future estimated annual budgets into the income goal manual override columns of Real World Retirement, the most powerful retirement software, or RP, the scaled-down retirement planner.

Integrating with RWR is by far the most accurate way to project your financial future, so the integrated financial planner was developed to do all of this automatically, via hard-wiring the programs together.

Download the Dual RWR demo showing the difference between risky living without disability (and long-term care) insurance. The current version shows being disabled at age 60 and the proposed version shows being insured. So the current version shows losing it all, and the proposed shows being just fine, considering, and paying DI premiums.

Download the free (non-functional) Dual RWR demo showing the difference between risky living without long-term care insurance. The current version shows being disabled at age 50 and needing long-term care. The proposed version shows being insured. So the current version shows losing it all, and the proposed shows being just fine, considering, and paying LTC premiums

• You can do any "What-If scenario" you can think of quicker and easier than other programs by using Excel's Goal Seek function with just six clicks. You can do any goal-seeking scenario that any other budgeting software can do, plus dozens more they can't.

• The cash flow projector gives you the choice of figuring taxes automatically or manually. Either way, you'll have total control over how much is spent on all taxes. Being able to simulate increases or decreases in any tax rate in any year is a unique feature.