Most budget tools just plan for the current month or year. The Yearly Budget Planner plans for a lifetime. It includes net income and retirement income and allows you select the estimated yearly growth rate of each. You can select/enter any fixed expenses and enter an end date to those fixed expenses if desired. The budgeting portion allow you to select/enter our own budget categories and either use the default inflation rate or enter an inflation rate for each category independently. You can introduce income and expense modifications as needed. Nice graphs that show income and expenses, budget excesses as well as a histogram of expenses for any year you choose. The table shows a summary of income vs expenses, Income, fixed expenses, and inflationary expenses throughout your lifetime. A very handy projection tool not seen in most simple budgeting tools.