The products are Excel workbook (.xls) files created in Excel 2003, containing multiple spreadsheets (works in newer versions of Excel). The modules operate separately and are not integrated but can be connected with simple formulas. These tools are primarily designed to address the basic financial goals of those considered to be financial “accumulators.”   

I use it just about everyday - it’s a great product.
— Anthony E. LoCascio, CFP®, ATP, CBI, New Jersey