The top rated J and L Financial Planner is a financial planning software program that allows you to create simple or complex financial scenarios based on financial events through out your life. It makes your financial planning easy. You create the scenario based on your current financial status and future financial events. The J and L Financial Planner executes your scenario and displays the effects 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. The program includes many financial calculators including a rule72 calculator.