Understand supported access, devices, imports, and support

YARCalc is accessed through the web and supported as a planning product

YARCalc is a browser-based application. There is no separate iOS or Android application, although ordinary pages can be opened in a current mobile browser. Dense tables and analysis controls are generally easier to review on a larger screen.

Sign-in uses the YARCalc email, password, and optional authenticator flow. Google, Apple, Face ID, and other federated or biometric sign-in methods are not currently available.

Use the supported path instead of assuming a connection exists

Holdings import reads a Fidelity, Schwab, or unambiguously mapped generic file that you deliberately select. It is not ongoing brokerage synchronization and does not import an arbitrary retirement-calculator workbook or reproduce another product’s assumptions.

Use the Help Center for product guidance. Every signed-in account, including Free, can use Feedback & support when a person needs to investigate a defect, explain product behavior, answer a modeling question, or consider a feature request. Use the public Contact page if you cannot sign in. Support can explain YARCalc; it cannot provide individualized legal, tax, investment, insurance, or medical advice.

Before ending access, export information you need and read the current Privacy Policy for retention or deletion terms. Do not assume a subscription change immediately deletes planning data.

Your access level changes limits and conveniences, not ownership of the plan

Account Settings and Plans & access show whether the account is currently Free or Subscriber and, when applicable, the Subscriber access end date. That date covers the currently verified access period; it does not guarantee a later renewal. Free includes the core planning workflow with lower analysis limits and advertisements on selected report pages. Subscriber raises supported analysis limits, allows up to three stochastic analyses to wait in the account’s queue, and removes advertisements.

The offered welcome Subscriber period lasts three calendar months, requires no payment information, can be used once per account, and ends automatically on the displayed date. When it ends, the account returns to Free; saved plans, results, settings, and AI credit are retained. Earned one-month referral access can provide Subscriber access again and does not consume the welcome period.

Use Plans & access to check when Subscriber access ends before scheduling a larger analysis. Paid enrollment and coupon entry are not available in YARCalc yet.

Stochastic analysis starts share a four-request limit in 15 minutes for Free and Subscriber accounts. Free can start 12 stochastic analyses and Subscriber can start 100 in any rolling 24 hours. These limits apply to Test Market Uncertainty, probability sweeps, plan comparisons, Coast FI, and implementation analysis. Deterministic sweeps and Compare Strategies do not use the stochastic start, active-job, or daily allowances. They share a separate limit of 30 starts in 15 minutes and may wait for available analysis capacity. An admitted stochastic analysis counts even if it later fails or is cancelled. A rejected request does not use the daily allowance. While waiting, you can edit your plan, view Projection, and read completed results.

Subscriber analyses generally start ahead of Free analyses. Your analysis can wait while other work is running or ahead of it. Leave the request open in your planning history and follow its displayed progress; submitting it again does not make the original analysis finish sooner.

After Subscriber access expires, Test Market Uncertainty shows a Free draft without erasing saved advanced preferences. Choose Fast with Forward assumptions and save a new analysis before running Coast FI or probability sweeps again. Advanced saved preferences require Subscriber access to run.

An analysis that is no longer available at the current level remains part of the planning history where the product displays it, but starting or rerunning work follows the current access limits. A stochastic run checks access again before starting or restarting; a run already calculating before access expires may finish. Open Plans & access when a control is unavailable or a queue limit is reached before assuming the plan itself is damaged.

Advertisements identify the Free presentation, not a planning recommendation

Advertisements can appear for Free users beside selected report and analysis pages. They are omitted from plan-entry, account, Help, and other focused information-entry pages, and they disappear with Subscriber access. Seeing an advertisement therefore reflects the current access level and page, not anything YARCalc inferred about the household’s finances.

An advertisement is not part of the retirement calculation, does not change a projection or strategy result, and is not an endorsement or personalized recommendation. Use the Plans & access page if the account should have ad-free access but an advertisement still appears; first confirm that the complimentary or paid access period shown there is still active.

Give support enough context without sending secrets

Open Feedback & support from the account menu, select the category that best describes the request, and name the page, planning task, approximate time, expected outcome, actual result, and any safe error reference. Never include passwords, authentication codes, brokerage credentials, full account numbers, complete financial documents, attachments, or external links.

Your feedback page retains the submission, status, visible support replies, and your follow-ups. An email tells you when support replies or requests information, while the full conversation remains available after sign-in.

For a display or navigation problem, include the browser, device, zoom level, and steps that reproduce it. Follow up on the existing request when you have more information so the conversation stays together.

Use exports and supported imports for deliberate data movement. There is no claim of automatic migration from unrelated calculators or continuing access to an external financial account.

Use current policy documents for service and data requests

Read the Privacy Policy and Terms of Use from the page footer for retention, deletion, and service questions. Use the contact specified there when your request goes beyond help with a planning screen.