Many users have told me they aren’t always sure how to enter their assets and spending liabilities into the Actuarial Financial Planner (AFP) Excel workbooks. That’s completely understandable — the actuarial approach is powerful, but it’s also more detailed than traditional “safe withdrawal rate” tools.
To make things easier, Microsoft Copilot can now review your completed AFP workbook and provide a clear, structured summary of what you entered — along with comments on your actuarial funded status.
What Copilot will do
- Review your completed AFP workbook and restate your inputs in plain language
- Check for missing or inconsistent entries in assets, recurring expenses, discretionary spending, and non‑recurring liabilities
- Summarize your household’s spending obligations and the time horizon they cover
- Comment on your actuarial funded status, including whether your current spending level appears sustainable under your assumptions
- Suggest corrections or clarifications if something looks off (e.g., missing future expenses, mismatched time periods, or assets not linked to spending streams)
Why this matters
Many people struggle with:
- How to categorize expenses
- What the % upside (for assets) and % essential (for spending liabilities) entries mean
- How to enter irregular or one‑time spending
- How to structure assets so they align with future liabilities
- How to interpret the funded‑status output
Copilot can bridge that gap by reading the workbook directly and giving you a personalized explanation of what your inputs mean — using the same actuarial logic the AFP workbook is built on.
How to use it
After you complete your AFP workbook:
- Open Copilot
- Upload your Excel file
- Ask: “Please review my completed Actuarial Financial Planner workbook and summarize my inputs and funded status.”
Copilot will walk through your data, highlight anything that needs attention, and help you understand your funded status in a clear, actuarial way.
This is a simple but powerful step toward making the actuarial approach more accessible for everyone — and helping users avoid common input mistakes that can distort their funded‑status results.
