Expenses Decrease or Salary Increases Before Retirement
If my expenses decrease or my salary goes up before retirement how does the program take this into account since living expenses don't start until retirement?
Before retirement the program assumes that whatever you don’t save, you must have spent. So if your expenses are reduced pre-retirement, this means your contributions to investments must have gone up, which in turn means you should be increasing your Annual Contribution to an investment account or investment accounts.
If your salary increases you can increase the salary in the Gross Salary assumption, but this also means you might be saving more money, which means you need to increase the Annual Contribution to an investment or investments.