Gather information and start a plan
Build a useful first retirement plan from the information you already have, then improve it as better details become available.
YARCalc user manual
How can we help?
Describe what you have, what changed, or what you want to decide. Help translates your situation into YARCalc inputs and explains what each calculation includes and leaves out.
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Use Scenario Editor
Keep the household facts, income, assets, spending, assumptions, and planning preferences behind your results up to date.
Plan work income, Social Security, pensions, and retirement bridges
Describe who receives each source of income, when it begins and ends, how it changes, and how dependable it is across retirement.
Read Projection balances and cash flow
Follow the plan year by year to see where retirement income comes from, how spending is funded, and when resources become strained.
Judge the accuracy and appropriate use of YARCalc results
Understand what makes a result useful, why another calculator may disagree, and what must be checked before a real decision.
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Account, privacy, and operation9 guides
- Ask YARCalc about a retirement scenario
- Invite a friend and earn referral access
- Recover from a Help, save, import, chart, or analysis problem
- Set up and use surviving-spouse plan access
- Sign in, recover access, and secure your account
Accounts, holdings, and balances7 guides
- Set up a Thrift Savings Plan (TSP)
- Edit Accounts & Holdings
- Choose the correct account type and tax treatment
- Import holdings from a CSV file
- Import holdings from Fidelity
Analysis and results13 guides
- Compare retirement allocations and transition schedules
- Compare the order of early retirement returns
- Complete a quarterly plan check-in
- Evaluate current yields against retirement cash-flow needs
- Fat-tail stochastic model
- Read percentile paths
- Read Projection balances and cash flow
- Read the Dashboard and retirement readiness
- Research an allocation with Implementation Analysis
- Run and understand Stochastic Analysis
- Run and understand the Coast FI analysis
- Understand taxes, withdrawal order, and RMDs
- Use Variable Sweeps