NaviPlan User Manual: Calculators
Contents
1. Start Age 65 Payout Options Frequency Monthly v Time of Year N A Analysis Results Your annuity worth 1 200 000 can provide a maximum lifetime payout of 74 343 after tax per year cnc Quick Actions menu Calculators Registered Life Annuity Payout Life Annuity Payout Calculator dialog box Details tab Page 37 of 50 Term Annuity Payout calculator time frame Term Annuity Payout Calculator 9 Details Reports Use this calculator to find the maximum annual withdrawals that your annuity can support Calculator Name Term Annuity Payout Annuity Information Initial Capital 1 200 000 Interest 5 000 Average Tax Rate 40 00 Amount per 1000 5 64 Payout Period Start Year 2013 Start Age 65 End Age 9 Payout Options Frequency Monthly v Time of Year N A Analysis Results Your annuity worth 1 200 000 can provide a 25 year payout of 48 766 per year cna NaviPlan User Manual Calculators The Term Annuity Payout calculator shows the annual after tax payouts that an annuity can support for a specified Quick Actions menu Calculators Registered Term Annuity Payout Term Annuity Payout Calculator dialog box Details tab Page 38 of 50 NaviPlan User Manual Calculators RRSP Savings calculator The RRSP Savings calculator shows the effect regular contributions have on the growth of a registered retirement sav2. Page 5 of 50 NaviPlan User Manual Calculators NaviPlan Resources Advicent provides several resources to help you use NaviPlan The following table shows some of the resources available and where to find them Advicent resource Description and location The quickest way to get information about any item within NaviPlan is to use the Help application Help To access Help select NaviPlan Help from the Help amp Resources menu Help includes a glossary of terms Functional documents explain NaviPlan functionality underlying assumptions Functional and results calculations You can access functional documents on specific topics Documents on the related page in the NaviPlan Learning Centre or a list of all available functional documents on the Functional Documents page Quick Reference Guides are designed to get you started with a particular Quick Reference workflow in NaviPlan You can access QRGs on specific topics on the related Guides QRGs page in the NaviPlan Learning Centre or a list of all available QRGs on the Quick Reference Guides page You can also access other user guides in this series You can access user guides on the User Guides page in the NaviPlan Learning Centre Training videos are designed to give you an overview of completing a specific task in NaviPlan You can access videos on specific topics on the related page in the NaviPlan Learning Centre or a list of all available functional documents on the Videos page
3. A I q Details Reports Use this calculator to determine the amount of monthly savings required to meet your desired retirement income needs 1 Retirement Information Assumptions E Description Retirement Initial Investment 0 Annual Income Needs paid monthly Average Tax Rate 25 Desired Income after tax 50 000 Qualified Plan O 1 LJ In Today s Dollars Index at 396 Return Rate for Qualified Plan 696 From Age 65 ToAge 30 Interest 6 i Capital Gai 096 Savings Information m A Tax Free 0 Index Required Monthly Savings at 3 pn i y S LS Dividends 096 Fri 35 T 65 na pui ene Deferred Growth 0 Analysis Results You need to save 991 per month indexed at 3 annually to a Non Qualified Plan from age 35 to 65 OK CANCEL Quick Actions menu Calculators Goals Retirement Required Savings Retirement Required Savings Calculator dialog box Details tab To view a detailed report go to the Reports tab in the calculator dialog box To generate a printer friendly version of the report click either the PDF or the Word button Page 11 of 50 Inflation calculators Four types of inflation calculators are available Cost of Living calculator Purchasing Power calculator Inflation History calculator Historical Returns calculator NaviPlan User Manual Calculators Page 12 of 50 NaviPlan User Manual Calculators Cost of Living calculator The Cost of Living calc
4. Non Registered calculators Capital Growth 29 Indexed Payout 32 Payout Duration 31 Regular Investments 30 P Payout Duration calculator 31 phone support 6 Purchasing Power calculator 14 R Registered calculators LIF Payout 36 Life Annuity Payout 37 LRIF Payout 35 RRIF Payout 34 RRSP Savings 39 Term Annuity Payout 38 Regular Investments calculator 30 resources phone support 6 training 6 retirement planning calculators 18 Retirement Available Savings 19 Retirement Required Savings calculator 18 RRIF Payout calculator 34 NaviPlan User Manual Calculators Page 49 of 50 RRSP Savings calculator 39 RRSP vs Mortgage calculator 41 T Term Annuity Payout calculator 38 TFSA Savings amp Comparison calculator 45 U user manual conventions 5 series 4 NaviPlan User Manual Calculators Page 50 of 50
5. Payout Duration calculator NaviPlan User Manual Calculators The Payout Duration calculator calculates the length of time payouts from a non registered investment will last Payout Duration Calculator Details Reports Use this calculator to show how long an investment can provide a specified amount of income Calculator Name Payout Duration Investment Information Initial Market Value 500 000 Interest Only Initial Adjusted Cost Base 500 000 Average Tax Rate 40 0096 Return Rates Interest 6 0096 Capital Gains Dividends Deferred Growth Analysis Results Payout Period Start Year 2013 Start Age Number of Years Payout Options Annual Payout Amount Indexed At Frequency Time of Year Calculator Options Expanded Table Your investment of 500 000 can provide you with an indexed after tax income of 50 000 for 10 years Quick Actions menu Calculators Non Registered Payout Duration Payout Duration Calculator dialog box Details tab Page 31 of 50 NaviPlan User Manual Calculators Indexed Payout calculator The Indexed Payout calculator calculates how much after tax income the non registered investment can provide over a specific period of time Indexed Payout Calculator Details Reports Use this calculator to show how much income an investment can provide over a specified period of time Calculator Name Indexed Payout Investmen
6. Quick Actions menu Calculators Goals Major Purchase Required Savings Major Purchase Required Savings Calculator dialog box Details tab Page 22 of 50 NaviPlan User Manual Calculators Major Purchase Available Savings calculator The Major Purchase Available Savings calculator determines the after tax value of funds that will be available for your clients for use toward a major purchase based on a monthly savings amount and time frame You can view the results as today s value discounted by inflation or as a future value Major Purchase Available Savings Calculator e Details Reports Use this calculator to determine how much money you will have for a major purchase goal based on a monthly savings plan Major Purchase Information Assumptions Description Major Purchase Initial Investment 0 Monthly Savings 0 Index at 3 00 Average Tax Rate 40 00 Starting Year 2013 Interest Only v Interest Purchase Year 2018 ea 8005 Capital Gains 0 0096 Stop Savings Year 2018 Dividends 0 00 Major Purchase Index At 3 0096 v Report Results in Today s Dollars Deferred Growth 0 0096 Analysis Results You will accumulate 0 in 2013 dollars towards your major purchase goal in 2018 Quick Actions menu Calculators Goals Major Purchase Available Savings Major Purchase Available Savings Calculator dialog box Details tab Page 23 of 50 NaviPlan User M
7. The Take Action webinar series helps you get the best return on your investment in NaviPlan by showing you how to apply the software to real world situations You can access webinars on specific topics on the related page in the NaviPlan Learning Centre or a list of all available functional documents on the Take Action Webinars page Take Action Webinars Partner Support Contact us by telephone at 888 692 3474 Monday Thursday 7 30 a m 6 p m central time Friday 7 30 a m 5 00p m central time Contact us by email at support advicentsolutions com Page 6 of 50 NaviPlan User Manual Calculators Chapter 2 Introduction to Calculators in NaviPlan For a quick snapshot of your clients current financial situation future goals and objectives use the calculators in NaviPlan To develop a general needs analysis or for more detailed planning use the assessment or plan types Opening a calculator uuuuuuuuuuuuuuussslssllsls sss e cee cece eee e cece ee ceesecseceeceeceeseesees Managing calculators ou seuils po ier emWeienel qeceevescceccdedsdant adeaccsiee tue Reviewing and printing calculator results 22 2220022 ss serene Inflation calculators Cost of Living calculator occ rn Purchasing Power calculator ooo cnn nn Inflation History calculator occ nn Historical Returns calculator Goals Calculators coco pense uuni ns Major purchase calculators 22 22 2222
8. Note This calculator displays historical data only and cannot be modified or duplicated Historical Inflation Inflation History 1915 2013 2096 Minfation Annualized Inflation to date Inflation rate ce D x 5 10 15 1915 1925 1935 1945 1955 1965 Year 1975 1985 1995 The historical average ofthe annual inflation rate from 1915 through 2013 is 3 1 Select A Graph To View 1915 2013 1989 2013 2004 2013 Quick Actions menu Calculators Inflation Inflation History Inflation History Calculator dialog box 2005 CLOSE To change the time span shown in the report select one of the Period options The report updates Page 15 of 50 Historical Returns calculator NaviPlan User Manual Calculators The Historical Returns calculator allows you to model historical returns growth or volatility based on a varying asset mix Historical Returns Calculator Details Reports Settings Calculator Type Returns C Growth C Volatility Currency Type Canadian v Return Period 20 Years mA From 1955 To 2012 Asset Class v Five Year GIC v US Equity v Canadian Bonds v Real Estate v Canadian Equity v Cdn Long Bonds v International Equity v Global Bonds Analysis Results 9 0 8 0 m Jilli g N o o S un o E Compound Annual Rate of Return m 2 e e ES ES C Custom Ass
9. calculator sussssus sssssssslssls sess nan 37 Term AnnuityPayoutcalculator roce as 38 RRSP Savings calculator o ne 39 Other calculators a EILEEN Ace inte eee fee 40 RRSP vsaMortedee calculator zn ELE ee dd o AA et hee id Ae ea ee 41 Leverage vs Savings calculator 2 4 2 2 2 0022 lis a RISE lee Ss 42 L oan Cormparisom calculator S cessa alerts it tt MEM UNDE MN TIAS UR oe 43 Mortgage Comparison calculator 2 02 22 eee cece cece eee nr 44 TESA Savings amp Comparison caletlator 2 002200 eeu rt Pats ov I UE RI tad 45 Page 8 of 50 NaviPlan User Manual Calculators Opening a calculator To save the calculator details for later use you must open the client file first and then open the calculator This means that the calculator must be opened from within a client file in order to be saved To open a calculator follow these steps 1 A A A A 4 From any page in the application once you have opened a client file go to the Quick Actions menu in the upper right corner of the window select Calculators and then choose a calculator OR Go to the Plan Management section Plan List category Plans page and click New Select the Calculator option and then select a calculator from the menu QUICK ACTIONS v Switch to Presentation Module Reports Inflation 4 Calculators Goals 4 Notes Non Registered Planning Assistant Registered Other Calculator Management Quick Actions menu di
10. determine life insurance needs General Expenses at Death Future Income Needs Current Assets amp Insurance Reports Future Income Needs Until Children After Children Total are self supporting are self supporting During Retirement Number of Years 0 0 0 0 Annual Living Expenses of Survivor current dollars 0 0 0 Less Estimated CPP QPP Benefits 0 0 0 Survivor s Earned Income 0 0 0 Other Assured Income 0 0 0 Old Age Security 0 0 0 Plus Taxes Payable 0 0 0 Annual Income Needs Deficiency Surplus 0 0 0 Capital Needs Choose one of the following methods to calculate the required capital amount Method Capital Depletion LY Quick Actions menu Calculators Goals Life Insurance Life Insurance Calculator dialog box Future Income Needs tab On the Future Income Needs tab you can determine the annual income that will be required by the survivor throughout his or her life cycle For example you can enter different expense amounts for the following m Before the children are self supporting m When the children are self supporting m During the survivor s retirement On this tab you will also choose one of the following methods to calculate the family s required capital after the insured dies m Capital Retention NaviPlan leaves the bulk of the client s estate untouched Only
11. determine the following e the minimum registered retirement income fund RRIF payout e the indexed income that can be generated during a specific number of years e the duration of the RRIF if a specific amount of money is withdrawn on a regular basis Calculator Name RRIF Payout Calculator RRIF Information Payout Options Initial Capital 0 Withdrawal Type Minimum m Return Rate 6 00 or 96 0 0096 Net After Tax Average Tax Rate 40 00 Indexed At 3 00 Qualifying RRIF CJ Frequency Monthly m Existing RRIF LJ EA Time of Year N A Payout Period Elect Payout in First Tw a m Use Younger Partner s Age for Minimums oO 65 paa as of Jan 1 of Start Year Start Year 12013 Delay Minimums Until Age 71 Age as of Jan 1 of Start Year 65 Duration of Payout 9 Number of Years 25 O Age 90 co Quick Actions menu Calculators Registered RRIF Payout RRIF Payout Calculator dialog box Details tab Page 34 of 50 NaviPlan User Manual Calculators LRIF Payout calculator Use the LRIF Payout calculator to calculate the minimum and maximum annual withdrawal amounts required for a locked in retirement income fund LRIF The LRIF Payout calculator calculates the appropriate amounts based on the information entered and current provincial legislation LRIF Payout Calculator 0 Details Reports Use this calculator to explore distribution options from a locked in retirement
12. guides are organized by the tasks you can accomplish in each level If you are a new NaviPlan user start with the ntroduction user guide User manual Tasks covered m Setting up user preferences m Creating and managing client engagements Introduction m Determining which assessment or plan level to select m Using NaviPlan workflow Calculators m Using calculators to model specific aspects of your clients finances m Quickly assessing your clients current financial situation Forecaster Assessment m Entering account information Asset Allocation Assessment m Determining your clients investor profile m Entering financial planning assumptions m Entering detailed net worth cash flow and insurance information Level 1 and Level 2 Plans m Adding holdings to accounts Entering client data and goals m Entering saving and redemption strategies m Entering client goals m Generating client reports m Analyzing your clients goals using Scenario Manager m Conducting detailed cash flow and net worth analyses Level 1 and Level 2 Plans m Generating Monte Carlo simulations Analyzing client goals m Creating goal scenarios m Generating client reports Page 4 of 50 NaviPlan User Manual Calculators Conventions This user guide uses the following conventions m The names of items on the screen are bolded and italicized For example the Clients page opens m The names of items that you must select click or ente
13. i titu veu 31 Indexed Payouticalculators terca 10d ee de to f Cepeda te ra tele HL Cp a Aono LE 32 Registered CalculatorS mts tad e a n S A eA ens ara UA 33 RRIE Payout calculato c se ner tetur etti attt reee recae e nter ima de edo 34 ERIF Payoutcalculator a oA seus e a p E e A Rt ee edid 35 LIF Payouticalculatot sre A A A ett tue e S Ee 36 Life Annuity Payoutcalculator cercania is cacha 37 Term Ann uity Payout calculator 254 44 lb geile eun a da 38 RRSP Savines calculator Loeb rt fcc cad ed ipd pe toL Ep aet ea rc CA Ceo E To 39 Othencalculators rentado orar ste Rede oia nn LE rre Lee 40 RRSP vs Mortgage calculator o oooococccccccccccccccccnccnc cnc 41 Leverage vs Savings calculator 00d ii 42 Loan Comparison calculator a RE UA 43 Morteage Comparison calculator 5er a uel Be esis c nA ARN A Satan 44 TFSA Savings amp Comparison calculator suuuuussussssssssssssss sss cece ceceeeeeeeseeseeeeeeee 45 Index 46 Page 2 of 50 NaviPlan User Manual Calculators Chapter 1 Using this manual The NaviPlan user manual series includes all the instructions you need to use NaviPlan effectively This chapter will help you use all the manuals in this series More manuals are available on the Learning Centre In this chapter NaviPlan User Guide Series occ nes 4 CONVENTIONS v cero e AL e RP 5 NaviPlan Resources nes 6 Page 3 of 50 NaviPlan User Manual Calculators NaviPlan User Guide Series NaviPlan user
14. income fund LRIF on a regular basis for a specific period oftime Calculator Name LRIF Payout Calculator LRIF Information Payout Options Initial Capital 0 Withdrawal Type Minimum i Return Rate 6 00 E or 96 0 0096 Net After Tax Average Tax Rate 40 0096 Indexed At 3 00 Existing LRIF O Frequency Annual v Time of Year undis y Payout Period Elect Payout in First Year gq yo Start Year 2013 Saai Age for Minimums B 65 Age ss of jan 1 of Start Year 65 Include Temporary Income Provisions Y Duration of Payout 9 Number of Years 25 O Age 90 Life Annuity Information Convert to Annuity im At Age 80 Interest Rate 5 000 Amount per 1000 51 65 Gender Male Quick Actions menu Calculators Registered LRIF Payout LRIF Payout Calculator dialog box Details tab Page 35 of 50 NaviPlan User Manual Calculators LIF Payout calculator Use the LIF Payout calculator to calculate the minimum maximum and annual withdrawal required for a specified life income fund LIF The LIF Payout calculator calculates the appropriate amounts based on the information entered and current provincial legislation LIFs are not available under Prince Edward Island legislation LIF Payout Calculator Details Reports Use this calculator to explore distribution options from a life income fund LIF on a regular basis for a specific period of time Calculator Name LIF Payout Cal
15. to determine how much capital you need to meet your retirement goals Calculator Name Retirement Capital Re Investment Information Invested at Age 35 Average Tax Rate 40 00 9 Non Registered Investments Interest Only v Interest 6 0096 Capital Gains 0 00 Dividends 0 00 Deferred Growth 0 00 RRSP RRIF Return Rate 6 00 Analysis Results Retirement Information Retirement Age Desired After Tax Income Today s Dollars Indexed At Ignore RRIF Minimums Delay RRIF Minimums Until Age K To retire with 50 000 a year in today s dollars you will need to invest 1 000 234 by age 35 65 to 90 50 000 3 00 71 CLOSE Quick Actions menu Calculators Goals Retirement Capital Required Retirement Capital Required Calculator dialog box Details tab Page 20 of 50 NaviPlan User Manual Calculators Retirement Capital Available The Retirement Capital Availablecalculator shows the after tax income that could be provided by the client s capital Retirement Capital Available Calculator Details Reports Use this calculator to determine how much after tax retirement income will be provided by your capital Calculator Name Retirement Capital Av Investment Information Retirement Information Initial Capital 500 000 Retirement Age Invested at Age 35 Average Tax Rate 40 00 Indexed At 9 Non Regis
16. 3 Interest Only Start Age Initial Adjusted Cost Base 100 000 Average Tax Rate 40 0096 Number Of Years Return Rates Assumptions Interest 6 00 Inflation Capital Gains 0 00 Dividends 0 00 Deferred Growth 0 00 Analysis Results In 20 years the 100 000 you invested will be worth 202 859 or 112 318 after tax and inflation Quick Actions menu Calculators Non Registered Capital Growth Capital Growth Calculator dialog box Details tab Page 29 of 50 NaviPlan User Manual Calculators Regular Investments calculator The Regular Investments calculator shows the effect of periodic savings on the growth of a non registered asset Regular Investments Calculator Details Reports This calculator shows you how your non registered investment contributions will grow over time Calculator Name Regular Investments General Information New Investments Initial Market Value Amount 100 Initial Adjusted Cost Base Frequency Monthly v Average Tax Rate Time ofYear N A v Start Year Index At 3 0096 Start Age Number of Years Return Rates Interest Only Interest 6 0096 Dividends 0 0096 Capital Gains 0 0096 Deferred Growth 0 0096 Analysis Results In 25 years you will have accumulated 69 129 in after tax capital Quick Actions menu Calculators Non Registered Regular Investments Regular Investments Calculator dialog box Details tab Page 30 of 50
17. TANI VAT SNR NaviPlan User Manual Calculators Volume II of VII NaviPlan User s Guide Canada Version 15 2 Copyright and Trade mark Copyright 2013 2015 Advicent LP and its affiliated companies Advicent All rights reserved Advicent and NaviPlan are trade marks of Advicent No part of this publication may be reproduced or transmitted in any form by any means electronic photocopying recording or otherwise without the written permission of Advicent Microsoft Word is a registered trade mark of Microsoft Corporation Adobe and Acrobat aretrade marks of Adobe Systems Inc All other product names are the sole properties of their respective owners Software Licence This publication is intended for use by authorized licencees of Advicent s proprietary NaviPlan software described herein This publication does not grant any licence or right to use ofthe software and use ofthe software or this publication is prohibited by anyone who is not an authorized licencee All licences rights and restrictions on use ofthe software are governed by a separate licence agreement Disclaimer The software described in this publication is designed to allow a financial planner to demonstrate and evaluate various strategies in order to achieve a client s financial goals It is licenced to authorized licencees on the understanding that Advicent is not engaged in rendering legal accounting or other professional advice and if any such adv
18. TFSA Savings amp Comparison Calculator Details Reports Use this calculator to compare the growth of a TFSA RRSP and or non registered investment using similar rates of return and contributions Calculator Name TFSA Savings amp Comparison General Information Investment Information Return Rates Start Year Lump Sum Contribution 0 Interest Only y p Interest Start Age Regular Contribution Amount 0 prm Dividends Number of Years Indexed At 3 00 Marginal Tax Rate Frequency Monthly Capital Gains Pre Retirement Deferred Growth Time of Year N A Retirement Reinvest RRSP tax deduction Total Comparison Results Asset Type Total Investment Amount Estimated After Tax Total TFSA 0 0 ADD ASSET TYPE FOR COMPARISON v Quick Actions menu Calculators Other TFSA Savings amp Comparison TFSA Savings amp Comparison Calculator dialog box Details tab Page 45 of 50 Index A accessing Help 6 Average Tax method 5 C calculator types major purchase 22 non registered asset 28 other 40 registered asset 33 retirement planning 18 calculators Capital Growth 29 Cost of Living 13 Critical Illness 27 Education Savings 24 Historical Returns 16 Indexed Payout 32 Inflation History 15 Leverage vs Savings 42 LIF Payout 36 Life Annuity Payout 37 Life Insurance 25 Loan Comparison 43 LRIF Payout 35 Major Purchase Available Savings 23 NaviPlan User Manual Ca
19. anual Calculators Education Savings calculator The Education Savings calculator determines how much money your clients need to save each month to plan for a child s education You can use either a registered education savings plan RESP or a non registered savings account Education Savings Calculator Details Reports Enter information in the fields below to determine the amount of savings required to meet an education goal Education Information Assumptions Description Education Savings Initial Investment Registered Education Savings o Education Savings 1 Plan Education for Student Estimated Net Family Income Age at End of Year 5 Required Monthly Savings 3 00 Education Start Age 18 Starting Year 2013 Annual Education Cost in today s 5 000 Contributor Tax Rate 40 00 Number of Years 4 Student Tax Rate 15 00 Interest Only v Cost Indexed at Interest 6 0096 3 00 Capital Gains 0 00 Dividends 0 00 Deferred Growth 0 00 Return Rate for RESP 8 00 Analysis Results For Student you need to save 124 per month indexed at 3 00 annually from 2013 to 2026 Quick Actions menu Calculators Goals Education Savings Education Savings Calculator dialog box Details tab Page 24 of 50 NaviPlan User Manual Calculators Life Insurance calculator The Life Insurance calculator estimates how much life insurance your clients may require to protect the income and asse
20. cece cece cece nn Education calculators Insurance calculators Retirement Required Savings calculator 2 222 22 2 eco eee e ec ence e eee cee ceceeceeceeseceeees Retirement Available Savings calculator 2 22 2 2 o eee ec cece ec eee eee e eee ceeceeceeeeeeeees Retirement Capital Required 2 22 0 00022 nc Retirement Capital Available 0000000000000000 0000000000000000 000000000 a000 aoaaa LL22 Loa anonra Major Purchase Required Savings calculator 22 22 22 cece cece cee cece cece eee eececeeceeseeseeees Major Purchase Available Savings calculator 0 000020 c eee ce cece cee cee cece cee cee e eee eeeeeee Education Savings calculator 5 682 esas Soot ose Life Insurance calculator Critical Illness calculator Non registered calculators 2 200 022 cee cece cece corn Capital Growth calculator 2222 14 a e da e iS as Regular Investments Calculator ococcccccccccccccccccccncccncconccnnn nn Page 7 of 50 NaviPlan User Manual Calculators Payout Durationicalculdtor solari A S ELM Aly i e recu tano e ados en DOE 31 Indexed Payout calculator occ nn 32 Registered calculators uel E I A AAA SS 33 RRIF Payout calculator 22 0 occ ccc ec eee ec ccc cece inanan nnana oonan onanan noana naana nanan ranar onanan onnan 34 lRIE Payouticalculator 2m t ce ons a Salah nd ao a eee on ta da Sania Med 35 LIF Payout calculaton estro t Ret cci acus Stein sip aude cds 36 Life Annuity Payout
21. culato LIF Information Payout Options Initial Capital 0 Withdrawal Type Minimum v Return Rate 6 00 or 96 0 0096 Net After Tax Average Tax Rate 40 0096 Indexed At 0 00 CANSIM Rate 6 000 Frequency Annual w Reference Rate 6 50096 Time of Year Beginning of Year v Origin of Plan Newfoundland and Labrado Elect Payout in First Year I Use Younger Partner s Age for Minimums g 65 Existing LIF ln as of Jan 1 of Start Year Include Temporary Income Provisions Y Payout Period Start Year 2013 Age as of Jan 1 of Start Year 65 Duration of Payout Number of Years O Age Life Annuity Information Convert to Annuity At Age Interest Rate Amount per 1000 Gender Quick Actions menu Calculators Registered LIF Payout LIF Payout Calculator dialog box Details tab Page 36 of 50 NaviPlan User Manual Calculators Life Annuity Payout calculator The Life Annuity Payout calculator shows the maximum annual after tax lifetime payout that a specified life annuity can support Life Annuity Payout Calculator Details Reports Use this calculator to find the maximum annual withdrawals that your annuity can support Calculator Name Life Annuity Payout Annuity Information Initial Capital 1 200 000 Interest 5 00096 Average Tax Rate 40 0096 Amount per 1000 8 60 Gender Male v Payout Period Start Year 2013
22. e Details Reports Use this calculator to determine the amount of attainable retirement income to meet a desired income need based on a possible monthly savings plan Possible Savings Plan Assumptions Description Retirement Available Average Tax Rate 40 00 Initial Investment 0 RRSP RRIF m m Return Rate for RRSP RRIF 6 00 Monthly Savings 0 O Ignore RRIF Minimums a Delay RRIF Minimums Until Age 71 From Age 35 ToAge 65 Interest Only vi Interest 6 00 Retirement Information Capital Gains 0 00 Index Retirement Income at 3 00 Dividends 0 00 POM AEE 65 ToAge Es Deferred Growth 0 00 v Report Results In Today s Dollars Analysis Results Based on your current savings strategy you may be able to attain a retirement income of 0 in today s dollars As of age 65 the Market Value will be 0 and the Adjusted Cost Base will be 0 OK CANCEL Quick Actions menu Calculators Goals Retirement Available Savings Retirement Available Savings Calculator dialog box Details tab Page 19 of 50 Retirement Capital Required NaviPlan User Manual Calculators The Retirement Capital Required calculator shows the capital required to finance your client s retirement and the total market value of the investment from the time of the initial investment until the client s death Retirement Capital Required Calculator Details Reports Use this calculator
23. et Class DETAILS Ms year cic E Canadian Bonds E Canadian Equity International Equity q Mus Equity real Estate A Canadian Long Bonds Bi Global Bonds Bl Average Inflation Quick Actions menu Calculators Inflation Historical Returns Historical Returns Calculator dialog box Details tab Page 16 of 50 NaviPlan User Manual Calculators Goals calculators Planning calculators are available for retirement planning major purchase education life insurance and critical illness goals This guide provides a general description of all the goals calculators For detailed instructions and field descriptions see Help Retirement calculators m Retirement Required Savings m Retirement Available Savings m Retirement Capital Required m Retirement Capital Available Major purchase calculators m Major Purchase Required Savings m Major Purchase Available Savings Education calculators m Education Savings Insurance calculators m Life Insurance m Critical Illness Page 17 of 50 Retirement Required Savings calculator NaviPlan User Manual Calculators The Retirement Required Savings calculator calculates the amount the client needs to save monthly to meet his or her desired retirement income based on the initial investment savings time frame average tax rate in retirement and assumed return rates Retirement Required Savings Calculator Details Reports Retiremen
24. ice is required the services of a competent professional person should be obtained Advicent has engaged Ibbotson Associates Inc a wholly owned subsidiary of Morningstar Inc to develop proprietary asset allocation tools for educational purposes Ibbotson has granted to Advicent a licence for use thereof Canadian version 10 29 2015 NaviPlan User Manual Calculators Contents Contents 2 2 ee tranan orto araa rara aranana naraon 32333222 221233222 1 Chapter 1 Using this manual nn 3 NaviPlan User Guide Series 2 2 22 00 oo oon eee sss nre e cece nee nananana 4 CONVENUONS ACETUM hee eee op ESS 2 NaviPlaniRESOUECES iia eeet 6 Chapter 2 Introduction to Calculators in NaviPlan LLuuuuuuuuuuusesleeslssl cece cece eee eee 7 Opening a calculator ces esci ipsi tu kbesciz abia 9 Managing calculators ns 10 Reviewing and printing calculator results 22 22 22 cece cece cee ence ence eee ees aao anaana aaa 11 Inflation calculators 2 2 2 2 cnn nn conc 12 Gostof Living calculator secca recs ecc oe nde dese done coeeeedesswed cda Erer OLES aT a 13 Purchasing Power calculator a node Satish Sic Sede Did en Siac enable Se mpm cce dier TUER 14 Inflation History calculator ssssuusuusulsssssss sss IRR e cece cee ceceeceeceeseseeeeees 15 Historical Returns calculator rocca A Sau A M E NRI A ti 16 Goals calculators 5 AR Lee ue ADEL ALIE ARI IDA REM 17 Reti
25. ings plan RRSP Savings Calculator Details Reports Use this calculator to show how much your RRSP will grow over a specified period of time Calculator Name RRSP Savings General Information New Investments Initial Market Value 1 000 Amount Marginal Tax Rate 40 00 Frequency Time of Year Index At Start Year 2013 Start Age 40 Return Rate Number of Years 20 Analysis Results In 20 years your RRSP will have a market value of 61 037 Quick Actions menu Calculators Registered RRSP Savings RRSP Savings Calculator dialog box Details tab The marginal tax rate is used in the calculation of the Estimated Tax Deduction which appears on the Reports tab Page 39 of 50 Other calculators Five types of other calculators are available m RRSP vs Mortgage m Leverage vs Savings m Loan Comparison m Mortgage Comparison m TFSA Savings amp Comparison NaviPlan User Manual Calculators This guide provides a general description of all the calculators For detailed instructions and field descriptions see Help Page 40 of 50 NaviPlan User Manual Calculators RRSP vs Mortgage calculator Use the RRSP vs Mortgage calculator to help you decide on the best use of your clients available funds The calculator compares the changes to net worth based on how available funds are used and shows the corresponding annual payout your clients may receive from the u
26. lculators Page 46 of 50 NaviPlan User Manual Calculators Major Purchase Required Savings 22 managing 10 Mortgage Comparison 44 opening 9 Payout Duration 31 Purchasing Power 14 Regular Investments 30 Retirement Available Savings 19 Retirement Required Savings 18 reviewing and printing results 11 RRIF Payout 34 RRSP Savings 39 RRSP vs Mortgage 41 Term Annuity Payout 38 TFSA Savings amp Comparison 45 Capital Growth calculator 29 conventions user manual 5 Cost of Living calculator 13 Critical Illness calculator 27 D Detailed Tax method 5 E Education Savings calculator 24 G Goals calculators Critical Illness 27 Education Savings 24 Page 47 of 50 Life Insurance 25 Major Purchase Available Savings 23 Major Purchase Required Savings 22 Retirement Available Savings 19 Retirement Required Savings 18 H Help accessing 6 Historical Returns calculator 16 Indexed Payout calculator 32 Inflation calculators Cost of Living 13 Historical Returns 16 Inflation History 15 Purchasing Power 14 Inflation History calculator 15 Leverage vs Savings calculator 42 LIF Payout calculator 36 Life Annuity Payout calculator 37 Life Insurance calculator 25 Loan Comparison calculator 43 LRIF Payout calculator 35 M Major purchase calculators 22 Major Purchase Available Savings 23 Major Purchase Required Savings 22 NaviPlan User Manual Calculators Page 48 of 50 Mortgage Comparison calculator 44 N
27. nderlying investments Using this calculator you can model any combination of the following scenarios m RRSP with resulting tax deduction directed to a savings plan m Mortgage once paid off all funds are directed to a savings plan m RRSP with resulting tax deduction directed to the mortgage m Mortgage once paid off all funds are directed to an RRSP RRSP vs Mortgage Calculator O Details Reports Use this calculator to compare different investment strategies to see which will provide the greatest net worth and retirement payout Calculator Name RRSP vs Mortgage Investment Information Retirement Information Tax Rate on Savings 40 00 Years until Retirement 30 Interest Only Y Number of Years 25 Interest 6 00 pe Payout Indexed At 3 00 Capital Gains 0 00 Payout Tax Rate 40 00 Dividends 0 00 In Today s Dollars LJ Deferred Growth 0 0096 Return Rate for RRSP 10 00 Payment Information Type Periodic vw Mortgage Information Monthly v Mortgage Date Jan 1 2013 Amount 150 End of Amortization Dec 31 2037 a Payment Strategies Original Principal 120 000 RRSP w Savings v Annual Interest Rate 8 5096 Mortgage w Savings vi Compounded Semi Annual v RRSP w Mortgage i Mortgage w RRSP Y Current Value of House 180 000 House Value Indexed At 2 0096 Analysis Results RRSP w Savings Mortgage w Savings RRSP w Mor
28. ortion of Gross Coverage Provided by Existing Insurance Enter the amount and duration of existing critical illness coverage Monthly benefits provided by existing disability insurance coverage Months of benefits provided by existing disability insurance coverage Total non medical benefit provided by existing critical illness coverage Total medical benefit provided by existing critical illness coverage Analysis Results In the event of a critical illness you will require 0 additional capital ons Quick Actions menu Calculators Goals Critical Illness Critical Illness Calculator dialog box Details tab Page 27 of 50 Non registered calculators Four types of non registered asset calculators are available m Capital Growth m Regular Investments m Payout Duration m Indexed Payout NaviPlan User Manual Calculators This guide provides a general description of all the calculators For detailed instructions and field descriptions see the Help Page 28 of 50 NaviPlan User Manual Calculators Capital Growth calculator The Capital Growth calculator shows the effect of inflation and taxes on the growth of a non registered asset Capital Growth Calculator Details Reports Use this calculator to estimate how much your invested capital will be worth in the future Calculator Name Capital Growth Investment Information Capital Growth Period Initial Market Value 100 000 Start Year 201
29. quencies Payment Amount v Original Alternative 1 v Alternative 2 Monthly Monthly v Monthly Semi annual v Semi annual v Semi annual x 10005 100005 100005 10 00 120 15 00 180 25 00 300 1 310 1 062 894 15 724 12 747 10 734 57 240 91 209 168 346 y Quick Actions menu Calculators Other Loan Comparison Loan Comparison Calculator dialog box Details tab Select the Field to Calculate from the menu the results are displayed in the corresponding fields below The loan alternative columns allow you to show your clients different loan parameters such as how reducing their interest rate will allow them to pay the loan off more quickly Page 43 of 50 NaviPlan User Manual Calculators Mortgage Comparison calculator The Mortgage Comparison calculator allows you to compare various mortgage alternatives such as interest rate amortization payment amount or principal You can compare up to three different scenarios You can also include an amortization schedule for one of the three scenarios in the report Mortgage Comparison Calculator O Details Reports Use this loan calculator to compare mortgage payment alternatives by payment frequency interest rate amortization period or payment amount Calculator Name Loan Information Start Date Jan 1 2013 Original Principal 100 000 Mor
30. r appear in bold For example select Recommended and then click OK m Tohelp you navigate through the application locations are separated by en dashes For example Enter Financial Data section Net Worth Accounts v Client Information Net Worth Client List Assets Liabilities Accounts Holding Companies Asset Class Weightings Enter new accounts define how and edit investment incd Plan List To edit investment income earns non registered accoun Modules Previously Incurred Investment Activity Assumptions Asset Allocati Registered and Non Registered Accounts v Enter Financial Data Category Net Worth count Type Owner Market Value Ca Cash Flow John s RRSP RRSP John v 50 000 Strategies Joint Savings Non Registered v Joint v 50 000 A Creag Jane s RPP RPP money purchase v Jane v 25 000 Tax Details ici Goal Funding Retirement Enter Financial Data section Net Worth category Accounts page To help you use this guide please note the following abbreviations and graphics m FA Refers to the Forecaster Assessment Indicates that the step or paragraph applies to Level 1 Plans only Indicates that the step or paragraph applies to Level 2 Plans only Indicates that the step or paragraph only applies when you are using the Average Tax method m Indicates that the step or paragraph only applies when you are using the Detailed Tax method
31. rement caleulators zone id A Ea ESE fe redis 17 Major purchase calculators 0 2520 sot ican ce eines seas derrotada dci 17 Education caleulatoEsc oto hore Oe eo eR ne eee 17 Insurance calculators 0 22 28222 rein isere daera dene ranae Vane AA sues ra p el EESE Er E NEEE Jesse 17 Retirement Required Savings calculator _ 222 2222 cece eee eee cee cece cece eee aaao aana ann 18 Retirement Available Savings calculator _ 2 2 22 2 2 2 cece cece cence cece cee ceeceececeeeeeeees 19 Retirement Capital Required 2 2 2 0 0 2002 cece cece cee cee eee eee cee eee aonaran 20 Retirement Capital Available 2 222 2002 ce cece cnc cee cece ec ee cee cece eee eceeceeeeceeceeeees 21 Major Purchase Required Savings calculator _ 2222 22 22 22 cece e eee cece cece ec sss rrr lll 22 Major Purchase Available Savings calculator 2 220220 o eee cee cee eee ss sse 23 Education Savings calculator incl deco sic ceti tadas 24 Life Insurance calculator 25 Page 1 of 50 NaviPlan User Manual Calculators CriticaliIness calculator 2 etti vebboke choscevececnrntaphoo nee ace ehd cone stinyskechertasseticees 27 Non registered calculators 2 2 0 c cece cece cece cee eee c eee eee c cee ceceeeeeceeeesceseeseeeeseeseeees 28 Capital Growth calculator rotar hee DT e na het PENSE Se Bs e E eu 29 Regular Investments calculator 00202 c ee cnn 30 Payout Duration calculator sess uated DI ilz See Pele hoses bios eens
32. splaying the Calculators sub menu 2 To open a previously saved calculator select it from the menu on the Plans page Page 9 of 50 NaviPlan User Manual Calculators Managing calculators NaviPlan allows you to manage multiple calculators in a client file You can create open duplicate and delete calculators in the Calculator Management dialog box To manage multiple calculators in an open client file go to the Calculators menu and then select Calculator Management gt Calculator Management Calculators iB MOI IB Duplicate 3 Delete Description Type Modified Date Retirement Retirement Required Savings CLOSE Calculators menu Calculator Management Calculator Management dialog box To Do this Create a new Click New and then select a calculator Enter the required data and then calculator click OK Open an existing Select a calculator to open and then click Open or click the link for the calculator calculator you want to open Duplicate a Select the calculator you want to duplicate and then click Duplicate calculator Note The nflation calculators cannot be duplicated Page 10 of 50 NaviPlan User Manual Calculators Reviewing and printing calculator results After entering the clients information in most of the calculators the calculator results appear under Analysis Results on the Details tab in the lt calculator gt dialog box Retirement Required Savings Calculator o
33. t Information Description Retirement Required Annual Income Needs paid monthly Savings Information Index Required Monthly Savings at 3 00 From Age 35 To Age Analysis Results S nr Desired Income after tax 50 000 v In Today s Dollars Index at 3 00 From Age 65 To Age Use this calculator to determine the amount of monthly savings required to meet your desired retirement income needs Assumptions Initial Investment 0 Average Tax Rate 40 00 RRSP RRIF la Return Rate for RRSP RRIF 6 00 Ignore RRIF Minimums Delay RRIF Minimums Until Age 71 Interest Only v Interest 6 00 Capital Gains 0 0096 Dividends 0 0096 Deferred Growth 0 0096 You need to save 3 068 per month indexed at 3 0096 annually to a Non Registered Account from age 35 to 65 As of age 65 the Market Value will be 2 889 975 and the Adjusted Cost Base will be 2 889 975 CLOSE Quick Actions menu Calculators Goals Retirement Required Savings Retirement Required Savings Calculator dialog box Details tab Page 18 of 50 NaviPlan User Manual Calculators Fetirement Available Savings calculator The Retirement Available Savings calculator calculates the amount of annual after tax income the client will receive in retirement based on the initial investment monthly savings tax rates savings time frame and assumed return rates Retirement Available Savings Calculator
34. t Information Payout Period Initial Market Value 500 000 Start Year Interest Only iv Start Age Initial Adjusted Cost Base 500 000 Number of Years Average Tax Rate 40 00 Payout Options Return Rates Indexed At 3 00 Interest 6 00 Frequency Monthly v Capital Gains 0 00 Time of Year N A Dividends 0 00 Deferred Growth 0 00 Calculator Options Expanded Table w Analysis Results Your investment of 500 000 can provide an indexed after tax payout of 1 815 per month for 25 years Quick Actions menu Calculators Non Registered Indexed Payout Indexed Payout Calculator dialog box Details tab Page 32 of 50 Hegistered calculators Six types of registered asset calculators are available RRIF Payout LRIF Payout LIF Payout Life Annuity Payout Term Annuity Payout RRSP Savings NaviPlan User Manual Calculators This guide provides a general description of all the calculators For detailed instructions and field descriptions see the Help Page 33 of 50 NaviPlan User Manual Calculators RRIF Payout calculator Use the RRIF Payout calculator to calculate the following m How much income the registered retirement income fund RRIF can provide over a specific period of time m The minimum annual withdrawal required for a specified RRIF m How long a RRIF can provide a specified income RRIF Payout Calculator 0 Details Reports Use this calculator to
35. tered Report Results in Today s Investments Dollars Interest Only v Ignore RRIF Minimums Interest 6 00 Delay RRIF Minimums Until Age Capital Gains 0 00 Dividends 0 00 Deferred Growth 0 00 RRSP RRIF Return Rate 6 00 Analysis Results Your investment of 500 000 can provide you with an indexed after tax retirement income of 24 994 ons Quick Actions menu Calculators Goals Retirement Capital Available Retirement Capital Available Calculator dialog box Details tab Page 21 of 50 NaviPlan User Manual Calculators Major Purchase Required Savings calculator The Major Purchase Required Savings calculator determines how much money your clients need to save each month to meet a desired major purchase goal Major Purchase Required Savings Calculator e Details Reports Enter information in the fields below to determine the amount of savings required to meet a major purchase goal Major Purchase Information Assumptions Description Major Purchase Initial Investment 0 Major Purchase Goal 0 Average Tax Rate 40 0096 Y 2013 Dollars Index at 3 00 Interest Only v Interest 6 0096 Starting Year 2013 SE Capital Gains 0 00 Purchase Year 2018 Dividends 0 00 Stop Savings Year 2018 Deferred Growth 0 0096 Index Required Monthly Savings at 3 0096 Analysis Results You need to save 0 per month indexed at 3 00 annually from 2013 to 2018
36. tgage Comparison Field to Calculate Payment Amount Iv Original Alternative 1 v Alternative 2 Payment Frequency Monthly v Monthly w Monthly v Mortgage Type Fixed Rate v Fixed Rate v Fixed Rate v Term years 5 m 5 b 5 vi Interest Rate 10 000 10 000 10 000 Amortization yrs periods 1000 120 1500 180 2500 300 Accelerated to 10 00 120 15 00 180 25 00 300 Payment Amount 1 310 1 062 894 Total Payments in Year 15 724 12 747 10 734 Total Interest Cost for m Amortization Period 57 240 91 209 168 346 Include Amortization Schedule for None P Compare Payment Frequencies v Quick Actions menu Calculators Other Mortgage Comparison Mortgage Comparison Calculator dialog box Details tab Select the Field to Calculate from the menu the results are displayed in the corresponding fields below The mortgage alternative columns allow you to show different mortgage parameters to your clients such as how increasing their payment frequency can shorten their amortization Page 44 of 50 NaviPlan User Manual Calculators TFSA Savings amp Comparison calculator The TFSA Savings amp Comparison calculator allows you to model the growth of a tax free savings account TFSA over a specified period of time including the initial investment and systematic savings and compare the growth of TFSA RRSP and or non registered investments using the same rates of return and contributions
37. tgage Mortgage w RRSP Net Worth 611 698 546 626 640 761 614 582 Annual Payout 19 711 9 606 20 977 20 625 Quick Actions menu Calculators Other RRSP vs Mortgage RRSP vs Mortgage Calculator dialog box Details tab Page 41 of 50 NaviPlan User Manual Calculators Leverage vs Savings calculator The Leverage vs Savings calculator allows you to compare the effects of taking out a loan to purchase an investment and then repaying the loan versus investing the same loan payments on a regular basis Leverage vs Savings Calculator Details Reports This calculator compares taking out a loan to purchase an investment and then paying off that loan versus using the same loan payments to invest on a regular basis Calculator Name Leverage vs Savings Liability Information Investment Information Loan Amount 200 000 Marginal Tax Rate Interest Rate 8 00 Compounded Monthly Return Rates Payment Method Interest Only Interest Only Interest 6 00 Number of Years 20 Payment Amount 1 333 awa Percentage of Interest on 00 Capital Gains 0 00 Loan that is Tax Deductible 100 00 EX erred Growth Please Note e Proposals for leveraging should include an explanation of potential risk in the transaction and projections of potential negative outcomes e Interest on a loan obtained for investment purposes may not be fully deductible for tax purposes if the funds were used to acq
38. the growth of the life insurance proceeds and realizable net worth are used to cover expenses Additional insurance coverage is required m Capital Depletion The growth of the client s life insurance proceeds and realizable net worth are used to cover required expenses Insurance coverage can be lower however the client s net worth may be significantly reduced On the Current Assets amp Insurance tab you can enter the total amount of the family s realizable assets the amount of the insured s existing life insurance coverage and the amount of CPP QPP death benefit payment expected if any The Reports tab shows you the results based on the life insurance information entered and recommends additional life insurance that may be required Page 26 of 50 NaviPlan User Manual Calculators Critical Illness calculator The Critical Illness calculator analyzes the clients critical illness needs over time Critical Illness Calculator Details Reports This calculator allows you to analyze a client s critical illness insurance needs over time Calculator Name Critical Illness Financial Security in the Event of Critical Illness In the event of a critical illness How much debt would you like to pay How much cash would you like to have available for alternative medical treatment How large is the monthly income supplement would you like to create For how many months would you like the income supplement to continue P
39. ts of surviving beneficiaries The tabs on which you enter information are General Expenses at Death Future Income Needs and Current Assets amp Insurance Life Insurance Calculator 7 Enter applicable expenses income needs and existing assets on the tabs below to determine life insurance needs General Expenses atDeath Future Income Needs Current Assets Insurance Reports Life Insurance Information Assumptions Description Life Insurance Inflation Rate 3 0096 Insured Insured Assumed Return Rate 6 0096 Beneficiary Beneficiary Less Tax Rate 40 00 2 496 After Tax Yield on Capital 3 6096 Less Inflation Rate on Income and 3 00 3 UU 70 Expenses Real Return on Capital after tax and 0 60 inflation onc Quick Actions menu Calculators Goals Life Insurance Life Insurance Calculator dialog box General tab On the General tab under Assumptions you can edit the inflation rate assumed return rate and tax rate that NaviPlan will use to calculate the real rate of return after taxes and inflation earned on life insurance proceeds that have been invested On the Expenses at Death tab you can enter all the lump sum expenses that the surviving client will incur following the client s or co client s death Page 25 of 50 NaviPlan User Manual Calculators Life Insurance Calculator e Enter applicable expenses income needs and existing assets on the tabs below to
40. uire an investment that does not earn income Clients should consult their tax advisors if they require information on their own situation Analysis Results In 20 years you could earn 14 098 after tax from leverage compared to 9 561 after tax from savings Quick Actions menu Calculators Other Leverage vs Savings Leverage vs Savings Calculator dialog box Details tab Page 42 of 50 Loan Comparison calculator NaviPlan User Manual Calculators The Loan Comparison calculator allows you to compare various loan alternatives such as payment frequency compound frequency interest rate amortization period or payment amount You can compare up to three different scenarios You can also include an amortization schedule for one of the three scenarios in the report Loan Comparison Calculator Details Reports Use this calculator to compare loan payment alternatives by payment frequency compound frequency interest rate amortization period or by payment amount Calculator Name Loan Information Start Date f Loan Amount 100 000 Jan 12013 Payment Type Principal and Interest v Loan Comparison Field to Calculate Payment Frequency Compound Frequency Interest Rate Amortization yrs periods Payment Amount Total Payments in Year Total Remaining Interest Include Amortization Schedule for None v Compare Payment Fre
41. ulator shows how much money is required in the future to purchase 1 000 worth of goods today based on inflation rates ranging from 196 to 1396 Note This calculator displays historical data only and cannot be modified or duplicated Cost of Living Calculator 0 a PDF ty WORD Impact of Inflation on the Cost of Living This report ilustrates the sum of money you may need in future years due to inflation to purchase 1 000 of goods 40K 35K 15K 10K 5K 0K 1 2 3 4 5 6 7 8 9 10 11 12 13 Quick Actions menu Calculators Inflation Cost of Living Cost of Living Calculator dialog box Page 13 of 50 NaviPlan User Manual Calculators Purchasing Power calculator The Purchasing Power calculator shows how varying inflation rates reduce the value of 1 000 over time Note This calculator displays historical data only and cannot be modified or duplicated Purchasing Power Calculator Ma PDF Lu WORD Impact of Inflation on Purchasing Power This report ilustrates how much 1 000 in today s dollars could be worth in future years due to inflation MI 4 5 6 7 8 9 10 11 12 13 Quick Actions menu Calculators Inflation Purchasing Power Purchasing Power Calculator dialog box Page 14 of 50 NaviPlan User Manual Calculators Inflation History calculator The Inflation History calculator shows the history of the rate of inflation over time
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