The top rated J&L Financial Planner is tool that allows you to create simple or complex financial scenarios based on financial events through out your life. You create the scenario based on your current financial status and future financial events. The J&L Financial Planner executes your scenario and displays the efects on your net worth through out a selected time span. The output is displayed in a text format that shows the yearly effects on up to 50 accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs. The program can create a scenario based on mortgage, loan, withdrawal, deposit, and transfer events. Each event has an option to be adjusted yearly for inflation or a separate yearly adjustment rate. Each event can be applied to any of the up to 50 accounts. The scenario is presented in a year by year text format.