The program automatically compensates for the time value of money, the calcuations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations.

The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you montly living expenses, the return on your investments and inflation as well as income taxes and social security payments.

Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable.

The program allows each scenerio to be saved to a named file, you can easily develop multiple scenerios and compare the results. You can print the data and graphs for each scenerio.