Do you have 2007 Edition or earlier? Upgrade to 2008 Edition from earlier editions click here to order
Do you have a paid 2008 Edition? The most recent version date is April 8, 2008. If you have an earlier version of the 2008 Edition that you paid for, click here, send me your name and email address and ask for an update. .
2008 Edition Update is now available:
-Leveraging: Finally, I got some feedback from a handful of users. And they wanted me to keep this page. So, the page stays.
- A new page is added: "Zone". This page shows your "Retirement Zone Analysis". Now, you don't have to run several cases to figure out when you can retire or how much income you can have.
Just click on the "Calculate" button. The program will paint each square one by one. It will show you the adequacy of savings for various retirement ages and income levels. It is based on my "zone strategy".

Read my articles on this topic to understand what "insufficient", "sufficient" and "abundant" mean in real life. Here is a summary:
| Abundant | Sufficient | Insufficient | |
| Zone | Green | Gray | Red |
| Adequacy of savings | Savings are enough to finance retirement as well as the time value of fluctuations | Savings are enough to finance retirement but not enough to finance the time value of fluctuations | Savings are neither enough to finance retirement nor the time value of fluctuations |
| Income | Requested Income | Requested Income | Less than the Requested Income |
| Suggested Retirement Strategies | Investment Portfolio (balanced and diversified) | Combination of
investment portfolio and SPIA,
or Variable annuities with guaranteed payments for life |
SPIA only |
| Assets | Accumulate | Combination of
investment portfolio and SPIA: Accumulate if lucky, decumulate if unlucky
Variable annuities with guaranteed payments for life: Decumulate |
Instant Decumulation |
| Other planning needs | Estate, tax, charitable giving | tax planning | No complex estate, tax or charitable planning is needed because there will not be any significant assets left over. |
| Significant Risk factors | Requested Income | Requested Income | Less than Requested Income |