Disbursements offer additional functionality, allowing you to add annual expenses and model large expenses as tax deductible. When entering an annual disbursement, you'll need to ensure that the stop date is 13 months from the start date to account for a full year.

Another option for large expenses is to include them in the recurring expenses as a one line item in a specific year. If you do this, the planner will aggregate the expense with your other expenses according to your withdrawal strategy and order, and you don’t have to worry about which account it’s withdrawing from.

When you enter a One Time Expense or Disbursement, you’ll enter the future value of the expense, then you’ll choose a specific account. If there will not be sufficient funds in that account on the date chosen, you’ll get a coach alert.

Another option for large expenses is to include them in the recurring expenses as a one line item in a specific year. If you do this, the planner will aggregate the expense with your other expenses according to your withdrawal strategy and order, and you don’t have to worry about which account it’s withdrawing from.

Keep in mind that the Planner has a method of using your income and savings to fund your expenses. Disbursements and Transfers are used to override or add to the default expense modeling.