Microsoft Money 2002 Deluxe includes financial planning and investment analysis tools not available in the more basic version of the program. Unlike the standard version, Deluxe provides portfolio analysis, tax and capital gains estimates, and enhanced long-term planning. All of the features of the standard version, including online bill paying, debt reduction planning and an electronic checkbook are included in the upgrade. Like the standard version, Microsoft Money 2002 Deluxe makes extensive use of online banking and information providers, however users should be aware that online financial institutions and other third-parties may impose transaction fees or other charges for these services.