Personal Finance Software Demos for Investors and Financial Plan Software for Financial Planners.

List of All Free Financial Plan Software Demonstration Programs

Directions and Information for the Free Financial Software Demos Financial Planning Freebies, Downloads, and Tips About Trial Periods for Money Software
Site Information
(is listed below. The financial planning software modules for sale are on the right-side column)

Confused? It Makes More Sense if You Start at the Home Page

Financial Software Price List

How to Buy Investment Software

Discounts for Financial Advisers
(and how to subscribe to the full Bundled Deal for $100 a month)

Lifetime and 5- to 15-year Extended Subscriptions

New Financial Planner Starter Kit

Professional Investment Portfolio Building Kit

Financial Planning Software Support

Financial Planner Software Updates

Site Map

Site Information, Ordering Security, Privacy, FAQs

Questions about Personal Finance Software? Call (503) 309-1369 or Send E-mail to

Free Downloads and Money Tools
(are listed below)

Free How-to Money eBook for DIY Investors, Critical Reading for Financial Advisers, and for Exposing Financial Myths

Free Sample Comprehensive Financial Plans

Free Money Software Downloads, Tutorials, Primers, Freebies, Investing Tips, and Other Resources

Selected Links to Other Relevant Money Websites


Free Retirement Calculators

Free 401(k) Calculators

Free Financial Calculators

Free Family Money Calculators

Free Real Estate Calculators

Free Debt Calculators

Free Investment Calculators

Free Tax Calculators

Free College Saving Calculators

Free Insurance Calculators

Free Business Owner Calculators

Most all money calculators have an associated downloadable demonstration program (demo).

They're all free, but they're also non-functional, so you'll have to purchase to get them to work.

Most are the actual spreadsheets saved without the formulas, so you can see exactly what you'll be getting.

Between the demos, product information pages, sample plans, and the directions pages, there's more information available to make a purchase decision than Most vendors.

The copyrights, notes, arrows, and text boxes shown are usually not on the actual programs. As an advisor, you can delete the copyrights off of everything so your clients won't know about this site.

There are also free thirty-day trial periods for select personal finance software.

About the financial planning software demos.

The following demos are part of the fully-integrated financial planning software (the free sample financial plan PDF made from it is here):

Dual Real World Retirement Software

Comprehensive Asset Allocation Software

Current Budget and Cash Flow Projector

Current Net Worth Projector

Current Five-Student College Planner

Current Life Insurance Needs Calculator for Spouse

Current Life Insurance Needs Calculator for Client

Proposed Budget and Cash Flow Projector

Proposed Net Worth Projector

Proposed Five-Student College Planner

Proposed Life Insurance Needs Calculator for Spouse

Proposed Life Insurance Needs Calculator for Client

The Following are the Module Demos

401k Calculator demo

Bond Yield to Maturity Calculator

Comprehensive Asset Allocation Software demo

Asset Distribution Calculator demo

Single-student College Planning Calculator demo

Multiple-student College Planner Calculator and Asset Allocator demo

Single-student College Planner showing the difference between a typical 529 plan and getting the same end results by doing it all yourself without using a 529 plan (in a low return environment)

75-year Personal Cash Flow Projector demo

Financial Seminar demo

Investment Portfolio Benchmarks demo

Investment Portfolio Benchmarking Model

Cash Value Life Insurance (VUL) vs. Buy Term Life Insurance and Invest the Difference Calculator in Mutual Funds demo

TVM Financial Calculators

Investment Comparator Software demo

Life Insurance Needs Calculator demo

Model Investment Portfolios demo showing historical returns and yields for all investor models. Just two Investment Models are shown because it's too easy to copy

The Market Timing Calculator, which is part of the Model Portfolios, does have a demo

Single Goals-only Planner demo

Net Worth Calculator demo

Net Worth Projector demo

Single-property Rental Real Estate IRR Calculator demo

Multiple-property Rental Real Estate NPV Calculator demo

Simple Retirement Planner demo

RP Retirement Planner current demo

RP Retirement Planner proposed demo

RWR current Retirement Software demo

RWR proposed Retirement Plan demo

Dual RWR Life Insurance Needs demo
This retirement plan demo shows the need for life insurance

Dual RWR Retirement Savings Calculator demo showing very basic "gap funding"

Dual RWR Retirement Savings Calculator demo showing the asset allocation bucket approach

Dual RWR Retirement Saving Calculator demo showing the different payout options, usage of all of the manual overrides, gap funding, and the bucket approach of tapping qualified assets before non-qualified assets

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 Proposed shows being just fine, considering, and paying DI premiums

Dual Real World Retirement 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 Proposed shows being just fine, considering, and paying LTC premiums

Dual RWR Roth IRA Conversion Analysis demo showing the long-term difference in retirement nest egg values between letting a Traditional IRA sit as-is (and having 100% of the income be taxed at ordinary income tax rates)and converting it to a Roth IRA (which is just subtracting the initial lump sum taxes, and then the withdrawals are tax-free). As you can see, unless there's a huge difference in the two tax rates, it does not pay to convert a traditional IRA to a Roth IRA. The only time that makes sense is if there's a huge difference in tax rates. For example, if your AGI was over $450,000 in 2013, then it would have paid to convert in 2013, because your taxes went up significantly in 2014

If you want to see a retirement plan showing the simple concept of running out of money, with cash flow deficits, then these are the two demos that show that (AKA Gap Funding): Current RP demo and the Main IFP module. All of the other retirement software demos have complex asset structures that show other things.

The following financial plan modules don't have regular demos, because it would be too easy to copy for free:

Financial Plan Fact Finders

Investment Policy Statement: But there's a free sample here.

Fee-Based Client Contract Agreement

Financial Planner Sales Scripts and Prospecting Letters

Tri-Fold Marketing Brochure

Mutual Fund Picks: There's only an empty list showing what you'll get

Financial Planning Software Modules For Sale
(are listed below)

Financial Planning Software that's Fully-Integrated
(the IFP is the NaviPlan alternative for 1/6th the price)

Goals-Only "Financial Planning Software"
(the MoneyGuidePro alternative for 1% of their price)

Retirement Planning Software Menu: Something for Everyone
(the RWRs, RP, and SRP)

Comprehensive Asset Allocation Software

Model Portfolio Allocations with Historical Returns

Monthly-updated ETF and Mutual Fund Picks

DIY Investment Portfolio Benchmarking Program

Financial Planning Fact Finders for Financial Planners Gathering Data from Clients

Investment Policy Statement Software (IPS)

Life Insurance Calculator (AKA Capital Needs Analysis Software)

Bond Calculators for Duration, Convexity, YTM, Accretion, and Amortization

Investment Software for Comparing the 27 Most Popular Methods of Investing

Rental Real Estate Investing Software

Net Worth Calculator (Balance Sheet Maker) and 75-year Net Worth Projector

College Savings Calculator

Financial Seminar Covering Retirement Planning and Investment Management

Sales Tools for Financial Adviser Marketing

Personal Budget Software and 75-year Cash Flow Projector

TVM Financial Tools and Financial Calculators

Our Unique Financial Services
(are listed below)

We're Fee-only Money Managers: So you can hire us to manage your money, and/or financial advisers can hire us to manage client money, using our Model Portfolios and/or Asset Allocation Systems

Mr. Market Timer's Unique Market-neutral Stock Market Timing Services
(the hedge fund alternative)

Consulting Services: Hire Us to Make Your Financial Plan, Retirement Plan, Benchmarking Report, Whatever

Buy or Sell a Financial Planning Practice

Miscellaneous Pages of Interest
(are listed below)

Primer Tutorial to Learn the Basics of Financial Planning Software

About the Department of Labor's New Fiduciary Rules

Using Asset Allocation to Manage Money

Download Brokerage Data into Spreadsheets

How to Integrate Financial Planning Software Modules to Share Data

CRM and Portfolio Management Software

About Monte Carlo Simulators

About Efficient Frontier Portfolio Optimizers

Calculating Your Investment Risk Tolerance

About Discount Brokers for DIY Money Management

About 401(k) Plan Management

© Copyright 1997 - 2017 Tools For Money, All Rights Reserved