Helpful Information

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User-friendly design
We tried to make the spreadsheet as simple to use as we could so there is not much to say here. Mainly, we want to put you at ease that it really is simple to use and that you should not be afraid to use it.

We named the rows as a suggestion. You may name the rows as you wish.

Don't worry about making mistakes. We have software that either rejects the information, changes it, or tells the cell to return a 'zero'.

I (Income) & E (Expense)

First column - I/E - How the spreadsheet works
I means Income. E means an Expense that will be deducted from Income automatically when you save your changes, like 500 - 300 = 200.

If you want to add an Income row from an existing row, change a blank Expense row to an Incime row, by changing the E to an I then Save. The program will then move that row to the appropriate location.

Starting Date

Changing the Month or Year
When you change the starting period Month or Year the program responds automatically. (The 'Submit' button is not part of this selection.)

Select Row Action

Row Action: You can add and delete rows by selecting the Row Action - don't forget to select the row you wish to change.


You do not need to calculate or save for every cell entry. Just enter the numbers in as many cells as you wish, then select 'Calc/Sv' (calculate) to get the results or to save some other change.


Long-term Planning and What-if Analysis

Just follow the instructions. You can enter estimated budgets for some rows or all of them - your choice.

We created the ability for you to enter and calculate very large numbers so that you can plan for living a very long time and making lots of money - have fun!

Large numbers: This is a reminder about entering or creating numbers that are larger than the available display - the software willcalculate the correct number but you just might not see it if the information you enter is larger than what the display is set for. Per convention, and to make numbers easier to read, we show comas in numbers larger than 999. Example, 1,000. But this is more complicated than you might think because each browser has its own way of sizing the width of the digit window - some browsers will show 999,999 for a 7-digit window, others will show 9,999,999. This means that some browsers have the ability to allow more digits and create larger numbers than we intend to show. (We limit the digits to prevent the spreadsheet from getting too wide, which would make it uncomfortable to use.) The maximum number of digits we offer as correct in the 7-digit spreadsheet is 999,999 - 6 digits, plus a coma. Therefore a display with a total that shows a second coma but does not have 3 following digits should be interpreted as an incorrect (incomplete) number. (Like the gas peddle in your car, please consider your maximum speed or number and you will not have any calculation problems.)

The program only calculates whole numbers, and fractional percentages might not add to 100% simply because percentages that actually have decimal endings like .04 + .03 + .03 are missing.

Clock Display -- to the right of the Calc/Save button
The clock is not intended to display the current calendar day and time; it's to show you when you last updated your spreadsheet, in UTC, GMT and Zulu.

& Sign-out
You can sign-out when you have finished using the spreadsheet by using the same page that you used to sign-in (which remains after the spreadsheet opens). Or you may use the program's internal clock that is set to default to off after 45 minutes of inactivity. During the 45 minute time period you may visit other pages and return to make changes.