Every so often I share how much I like the financial & retirement planning tool, Boldin. I'm not affiliated in any way. anyway, it has recently added guardrails for spending planning which is great. It's $140/year I think (I pay grandfathered in price) and frankly even if you have a financial advisor, I think it's a worthy add, because nobody will care more about being accurate about your financial planning than you will yourself. :) https://www.boldin.com #FinancialPlanning #Retirement #Boldin
Financial and Retirement Planning Software - Boldin

The #1 retirement planning tool online. Go beyond savings and investments with the best and most comprehensive financial planning software.

Boldin
Anyway I think the software is almost as sophisticated, if not as sophisticated, as the programs used by big financial advisor firms. AND you can see all the variables and visualize them. I'm a data geek, so I want to SEE the numbers, not just be given a final summary. So anyway... I recommend the program highly.
And while I'm on recommendations, this is totally separate, I love the program "Better File Rename". I use it all the time. :) It's a user friendly way to use powershell and bulk manage file names, details. :) I've used the software for decades! Again, absolutely no affiliation Just a fan. :) https://www.publicspace.net/windows/BetterFileRename/index.html