Income Needs Analyzer and Net Worth Calculator - Slateboard Software Inc.

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The Income Needs Analyzer is a very powerful tool that allows you to create extremely detailed financial plans based upon your current and future income and expenses as well as any savings you may currently have or may have in the future.

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Some examples:

Some Examples of Income Sources, Expenses and Cashable Savings that you can plan for with Retire!'s Income Needs Analyzer:
•	I have utilities of $250.00 every month, starting now, never ending, indexed at 3%.
•	I have a job that pays me $1000 every two weeks starting now, ending in 10 years, indexed at 3%.
•	I have a roof that I need to replace every 15 years at $20,000, starting in 7 years, indexed at 3%, never ending.
•	I have an existing car that costs me $300 every month, not indexed, ending in two years.
•	I need a new car in 6 years that will cost me $300 every month, indexed at 3%, for 4 years each time. This will repeat every 8 years.
•	I need a new fridge that will cost me $1000, indexed at 3%, every 10 years.
•	In 30 years I expect to get an inheritance worth $300,000 today, indexed at 3%
•	And anything else you can think of!

The possibilities are endless. You can essentially build your financial plan to include any level of detail you may want! The system comes pre-populated with lots of categories to stimulate thought, and allows you to add your own by simply typing in the field. Once added, it is there for any future plans you may create.

Professionally Designed Reports

Retire's Income Needs Analyzer includes many professionally designed reports:

•	List of Items - This is a detailed report that shows all of the income sources, expenses and cashable savings that you have entered into your plan.
•	Income Needs - By Date - Detailed. This report will show all of your income and expenses, sorted by Date, with a running balance. This will show you on an ongoing basis exactly where you stand with your cash flow. Every time your expenses outstrip your income or cash balance, your cashable savings will be drawn down to compensate. If you run out of savings, then you will end in a negative balance situation, showing that you will need to readjust your plan.
•	Income Needs - By Item - Detailed. This report will show all of your income and expenses, sorted by Item.
•	Income Needs - By Month - Detailed. This report is much like the Income Needs - By Date - Detailed report, however it will give you monthly balances so you can quickly see any months where you are having a short fall.
•	Income Needs - By Month - Summary. This report is much like the Income Needs - By Month - Detailed report, however it will give you a more compact report on a monthly basis so you can quickly see any months where you are having a short fall.
•	Income Needs - By Year - Summary. This report is much like the Income Needs - By Month - Summary report, except that the numbers are summarized on an annual basis.
•	Bar Chart - Analysis - Identify Shortfalls (Includes Savings). This is a one-page chart that shows, by year, that will show your cash position on an annual basis, with a zero-line balance where if you see a bar below the line, you know you are in a negative cash position in that year.
•	Bar Chart - Analysis - Identify Shortfalls (Ignore Savings). This is a one-page chart that shows, by year, that will show your cash position on an annual basis, with a zero-line balance where if you see a bar below the line, you know you are in a negative cash position in that year. It ignores any cashable savings so you can immediately see what years you have an income/expense problem.
•	Savings Used by Date. This report gives you a detailed listing of every time your cashable savings had to be dipped into to compensate for expenses outstripping income sources.

You'll find with Retire! that the fear of retirement can be eliminated through proper planning.

Enjoy your freedom!

Net Worth Calculator Features

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The Net Worth Calculator allows you to quickly enter your various assets and liabilities and immediately see your net worth.

•	Enter any number of assets or liabilities.
•	Use pre-existing Group and Items or create your own simply by typing in the field.
•	Save your Net Worth scenarios for future access (Home and Plus! Editions limited to no more than 5 scenarios at once).
•	Includes professionally designed reports with three different levels of detail (Home and Plus! Editions include a message indicating that the reports were generated with Retire! For business not wanting this message, use the Premium or Office Editions).
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Other Features

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Retire! Plus, Premium and Office Editions also include the following features:

Dozens of Bonus Financial Calculators
We've included dozens of powerful financial calculators to help you solve most common financial calculations. More >>

Retire! Office Edition includes the Client Manager
This allows you to organize your Income Needs plans, Net Worth Calculations, Amortization Schedules and Payment Grids on a per client basis. As well, it is networkable, multi-user capable!

Flexible Amortization Schedules

Need non-standard schedules? The Amortization Schedules Plus! feature allows you to add any number of extra payments to a schedule, skip payments plus add weekly, monthly or yearly lump sums starting in any year. No longer are you restricted to static tables that generate a schedule that offers no flexibility. The Plus! Edition is limited to saving no more than 5 schedules at once.
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Want to save money? Immediately see the impact that extra payments or an increased regular payment can have to the bottom line including infrequent or regularly scheduled lump sums.

Like to play "what if" with your mortgage or loan? Amortization Schedules Plus! is the ultimate tool for this. You can change any parameter affecting your loan including payment amounts and frequencies, interest rates and compounding methods as well as payment types including interest only loans.

Need to generate schedules for interest only or graduated loans? No problem, Retire! has eight different payment types including normal, interest only (static and adjusting), increasing (by fixed amount or percentage) and no payment.

Detailed and summary reports are at your fingertips. Generate reports on demand that include annual summaries based upon any corporate year end. If there is a dispute, you have the numbers to back up what you say is owed. You choose the level of detail and the dates between which the report will be generated.

Do you need multiple Day Count Conventions? Most amortization programs only generate schedules for 30/360. We include 14 different Day Count Conventions including Actual/Actual that cover almost every type of loan in existence.

Want to create what if scenarios? With Amortization Schedules Plus allows you to:

•	Create and save any number of amortization schedules
•	Set the loan amount, interest rate, payment frequency (including accelerated payments) and interest compounding frequency
•	Include principal/interest breakdowns along with running totals of interest paid and principal owing
•	Change any scheduled payment amount
•	Add any number of extra payments
•	Skip scheduled payments
•	Use any payment frequency including monthly, bi-weekly and weekly
•	Add annual, monthly or weekly lump-sum payments starting in any year
•	Print your schedule in 5 different formats and specify a date range for the years to print
•	Use different compounding methods include U.S. Rule (Simple Interest) and Canadian mortgages
•	Specify a start date for the schedule or use generic time references
•	Use any of 14 different Day Count Conventions including 30/360, Actual/Actual, 30/365 and Actual/360
•	Create US & Canadian mortgages, U.S. Rule (Simple Interest) loans, car loans, business loans, debt-consolidation loans, student loans and more
•	View a Before and After display that shows the effect of the latest changes
•	Use Undo and Redo buttons to go back and forth through your calculation changes
•	Use a Compare button to compare the existing schedule with another saved schedule
•	Create schedules for various different payment types including interest only, fixed principal + interest, Increment by dollar (Dollar Step) and Increment by Percentage (Percent Step)
•	See the effect of negative amortization
•	View five different report formats that can be printed for different date ranges using specific from and to dates
•	View Annual reports that can be summarized based upon any fiscal year end showing interest and principal paid during the year
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Solve for Missing Number Calculator

The Solve for Missing Number calculator allows you to enter your known values and solve for the payment amount, loan amount, interest rate or amortization period. Simply enter what you know and click on the calculator icon beside the parameter you don't know and Retire! will immediately solve for the missing number. Once finished, you can create a schedule using the calculated parameters with the click of a button.
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Dynamic Payment Grids

The Payment Grids tool allows you to generate grids in five different configurations showing payment and loan amounts based upon various variables along the X and Y axis of the chart. For example, a payment grid with the loan amount on the left and the interest rate across the top. This tool replaces the old mortgage table books that are not flexible enough for today's wide array of loan types. The Plus! Edition is limited to storing no more than 5 grids at once.

•	Change any parameter and instantly see the results.
•	Five different grid configurations allow you to solve for most missing parameters.
•	Print them out for when you go to the bank or meet with your real estate agent.
•	Open any number of these windows and compare side-by-side different payment frequencies, interest rates, compounding, periods and loan amounts.
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Dozens of Easy to Use Calculators

We've included dozens of powerful financial calculators that allow you to quickly calculate many common questions such as Gross Debt Service Ratio and Total Debt Service Ratio that are used to determine what a bank will lend you. We have also included financial calculators that will allow you do almost any calculation you will ever need. Some of the calculators we provide:

•	Down Payment Amount
•	Gross Debt Service Ratio
•	Gross Debt Service Ratio Maximum Amount
•	House Price from Current Rent
•	House Price from Payment Amount
•	Interest Amount
•	Maximum Loan
•	Maximum Payment
•	Mortgage Payment
•	Principal Amount
•	Rent Payments Total
•	Time to Pay Off Accelerated Loan
•	Total Debt Service Ratio
•	Total Debt Service Ratio Maximum Amount
•	Total Interest Paid
•	Total Paid for Home
•	Plus many more!

Detailed Reports

Detailed reports are available that will allow you to see on paper varying levels of detail on the loans, schedules or grids stored in the system. With most, you can specify a date range to print allowing you to see schedules for a specific term or period. As well, annual summary reports allow you to summarize based upon any year end you want, not just the calendar year end. This is especially important for business with corporate year ends other than December 31. You can also save these reports in HTML format which can then be emailed or included in other products such as Microsoft Word and Excel. The Plus! Edition includes a message in the footer indicating the report was generated with Retire! This is removed in the Premium and Office Editions for businesses that don't want any reference to the software used to generate the report.

Here are just some of the reports:

•	Amortization Schedule - Payments Only Report
•	Amortization Schedule - Payment Breakdown Report
•	Amortization Schedule - Annual Summary
•	Amortization Schedule - Annual Payment Summary
•	Amortization Schedule - Annual Payment Breakdown
•	Payment Grid
•	Plus more!

Customer Reviews

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Here are some comments from our customers who have used our software products over the years:

I just wanted to take a minute and thank you for the hands on support that your organization provided to Maaco. The application modifications that we requested were performed with a true willingness to give the customer exactly what they wanted. I believe that those enhancements will provide value to your other customers as well. The program application is currently being used to provide floor planning to three automotive dealerships. I would be very comfortable being a reference to Slateboard if ever the opportunity arose.

Thanks again,

Neil S. Cooper
Chief Financial Officer
Maaco Enterprises, Inc.

We use your software for our Housing Rehabilitation Program. The program involves Grants and low-interest Loans. Your QuikCalc Program is the software that we have chosen to track the financial portion of the program. It has all the tools we need, and is easy to use.

Slateboard excels at their commitment to their clients. I can’t thank you enough for the excellent Customer Technical Support that your company provides. Your support staff has answered every question, walking through the application step-by-step. Many companies say they provide Customer Support but fall short of their promise. Slateboard sets the standard for Customer Service!

I highly recommend Slateboard Software.

Thanks …

Kathleen Newcomer
Borough of Chambersburg
Housing Rehabilitation

"I wanted to let you folks know that the software is great since the changes you made to address my specific problems last year. I find that I use it for many different things, and it helps me greatly with my budgeting and investing decisions. I even found an error my bank made and had it corrected. Sincerely,"

Spring R., Indiana

"I have used it and love it. It allows for 'quirky' payment schemes, i.e. skipping payments, additional principal payments, etc."

Randy B., CPA, Louisiana

"I looked all over the net and couldn't find anything that did what I needed until I found yours."

Nancy W., Bookkeeper, Indiana

"Used your software today and it is really easy to use and very helpful. Thanks!"

Leatha T., Arizona

"I appreciate the quick response."

Hugh H., British Columbia

"You guys rock!"

Shannon S., Minnesota

"Very helpful"

John E., New Zealand

"Thanks! You guys are awesome. I'm impressed with the support!"

Ed T., Texas

"Love the software."

John E., New Zealand

System Requirements & FAQ's

How long will it take to download?
Can I download again if I need to reinstall my software?
I have additional questions about downloading...
How do I get help or technical support?
Where can I find information about or purchase the Canadian version?
Do you have a money back guarantee?

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System Requirements

Computer	PC capable of running Windows 8 or higher
Operating System	Windows 8 or higher
Memory	Minimum 1 GB
Hard Disk Space	45 MB free disk space required
Monitor	1024 x 768 resolution or higher recommended (800 x 600 mode available from Edit menu)
Printer (optional)	Required to print reports but not to operate program. Any printer supported by Windows

FAQ's

Please click below to find answers to these common questions about purchasing.

If you have additional questions, please contact Customer Service via email at sales@slateboard.com.

How long will it take to download?
Download times will differ depending on Internet connection speed and other factors. Typically downloads via "high-speed" connections take 1-3 minutes. Downloads via dial-up are usually much slower and can take 20-40 minutes depending upon the connection speed.

Can I download again if I need to reinstall my software?
Yes. Just visit our Downloads section, select Download My Order and after installing use your registration number for full access. I you have lost this number, please email sales@slateboard.com with as much information as possible for us to identify your order and we will send you your code.

I have additional questions about downloading...
For a detailed explanation on how to download, please visit our How to Download Software Over the Internet page.

How do I get help or technical support?
Most questions can be answered by reading the online help. If your answer cannot be found there, email support is free for as long as you use your software. Send your question to support@slateboard.com.

Where can I find information or purchase the Canadian version?
All of our software is compatible with Canadian style mortgages and loans. When creating a Canadian mortgage, simply select a Compounding method of Canadian. Note that all prices on this site are in US$ unless otherwise noted.

Do you have a money back guarantee?
Retire! is quick and easy to learn and our software is already in use by thousands of individuals and professionals across the United States and the world. We've been in business for over 25 years and offer a 60 day money back guarantee on all of our software so there is no risk to you! For more details on our money back guarantee, click here.

Compare Editions

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The feature grid below will help you decide which edition of Retire! is right for you. If you still aren't certain, remember that you can upgrade to any higher edition for the price difference at any time. As well, we have a 60 day money back guarantee on all of our products.

	Home Edition	Plus! Edition	Premium Edition	Office Edition
Price	$39.95	$69.95	$139.95	$299.95
Fully functional demo available.
Purchase securely on our web site.

Users can share data over a network
Multiple simultaneous users
Track your data by client
Customizable header/footer lines (no "This report generated by..." message).
No limits on the number of plans, schedules, etc. that you can create
Includes the Net Worth Calculator	Up To 5 Scenarios	Up To 5 Scenarios	Unlimited	Unlimited
Includes the Income Needs Analyzer	Up To 5 Plans	Up To 5 Plans	Unlimited	Unlimited
Includes the Solve for Missing Number Calculator
Includes Amortization Schedules Plus!		Up To 5 Schedules	Unlimited	Unlimited
Includes the Payment Grids		Up To 5 Grids	Unlimited	Unlimited
Includes dozens of Bonus Calculators
Save reports as PDF using a third party PDF generator
Export reports in HTML
Data file backup and restore
Purchase securely on our web site.

Still Have a Question?

If you still have a question, please contact us and we will be happy to help you decide what edition is right for you. Simply email us at sales@slateboard.com and we will respond shortly.

Compare the Competition

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Ten Reasons Why Retire! Beats the Competition!
1	Flexibility We don't pigeon-hole you into what WE think your plan should be. You create a plan that meets your retirement needs, not what some programmer thought your retirement should be.
2	Fast Enter your information and hit a button. Your plan is calculated within seconds!
3	Professional Reports Our professionally designed reports allow you to see the level of detail you want and even specify date ranges to view where applicable.
4	Easy to Use Unlike some systems, our drop down lists feature type-ahead capability, so you just start typing in the field and it will walk through the list until it finds what you are looking for. Once the entry is found, just hit tab. No need to scroll through long lists yourself.
5	Flexibility We've added all kinds of things to the system that we think you might want to add to your income needs or net worth calculations. But we can't think of everything! Just type your own entries directly into the fields, hit tab and you will be prompted to add it to the system. Click a button and it's there for you the next time--no more repetitive typing.
6	Powerful Additional Features Get the Plus!, Premium or Office Editions and you get features that go far beyond Income Needs and Net Worth. Amortization Schedules Plus!, Payment Grids, Solve for Missing Number Calculator and dozens of Bonus Calculators are added.
7	Upgrade for the Price Difference Decide that you need more power after you've already bought? Upgrade for the price difference. You will never have to pay for the same thing twice.
8	Be Up and Running. Now. Order online and your registration number is sent to you immediately. No delays, no waiting for someone to process your order manually.
9	Support Have a question? Need some help? Need some help next year? Send us an email and we'll get right back to you, no matter how long ago you purchased. Lost your registration number? Upgraded your machine? Hard drive crashed? No problem, download again from our site, even if you ordered ten years ago!
10	No Risk! We have a 60 day money back guarantee! If you are not completely satisfied, you get your money back. No hassles, no forms, no restocking fees, no risk!

Pricing

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If purchasing Retire! Home, Plus! or Premium Editions:

Edition	Price (US$)
Home	$39.95
Plus!	$69.95
Premium	$139.95
Office	$299.95

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