Absorbing Spending
Inputs
Results
Asset Repositioning
Custom Distribution Inputs
Ceiling: Maximum Withdrawal
| Year | Beginning Balance | Withdrawal | Growth | Ending Balance |
|---|---|---|---|---|
| Total | — |
Floor: Safe Withdrawal
| Year | Beginning Balance | Withdrawal | Growth | Ending Balance |
|---|---|---|---|---|
| Total | — |
Custom: Distribution Schedule
| Year | Beginning Balance | Withdrawal | Growth | Ending Balance |
|---|---|---|---|---|
| Total | — |
Balance Comparison
Policy Adjustments
Efficient Policy
| DB | Premium | |
|---|---|---|
| BASE |
$
|
$
|
| PUA |
$
|
$
|
| Total | — | — |
Estimated Policy
| Est. DB | Est. Premium | |
|---|---|---|
| Total BASE | — | — |
| Total PUA | — | — |
| Total | — | — |
Maximum Potential
Inputs
Savings vs. Spending
Variable PFBS
Part 1: Import
Copy a table from Excel or a PDF (include the header row) and paste it below.
Upload a CSV or Excel (.xlsx) file. The first row should be column headers.
Start from a blank template, then add rows and columns and type values directly.
Review & Confirm
Edit any cell directly. Cells that can't be read as numbers are highlighted - uncheck "Numeric" for a column if it's meant to hold text.
Part 2: Variable (Scale the Data)
Choose which columns get multiplied by the scale factor. Identifier columns (Age, Year) are usually left unscaled.
Aggregate Columns
Add a running-total column - e.g. cumulative Premium paid, or cumulative Dividend - computed from the scaled values.
Highlight Rules
Highlight the first row where one column catches up to another - e.g. the year Increase in Cash Value first reaches Premium, or Cash Value first reaches cumulative Premium paid.