Yarn
Home
Documentation
Contact
Monte Carlo Retirement Simulator
Simulation Parameters
Configure your financial profile below to project retirement outcomes across a full range of historical market scenarios.
Use Default Parameters
Simulation Frequency
ⓘ
Monthly
Annual
01
Retirement Timing
Current Age
When do you plan to retire?
Retired/Retire Now
Specific Month/Year
Specific Portfolio Value
Target Retirement Month
Target Retirement Year
Target Portfolio Value
ⓘ
$
Pre-Retirement Saving
Annual Saving Amount
ⓘ
$
Annual Saving Increase (%)
ⓘ
%
02
Net Worth
Current Portfolio Value
$
Current Asset Allocation
Equities
%
Bonds
%
Own your home?
ⓘ
Home Value
$
03
Withdrawals
Withdrawal Strategy
ⓘ
Fixed Amount
Fixed Percentage
VPW
CAPE Based Withdrawal
Guyton-Klinger Guardrails
Annual Withdrawal Amount
ⓘ
$
Annual Withdrawal Percentage
%
⚠ CAPE-based withdrawal is an advanced method.
Please see the documentation for an explanation.
Withdrawal Rate =
a
+
b
/ CAPE
Intercept
a
Coefficient
b
Withdrawal Rate = — + —/CAPE ≈ — currently
⚠ Guyton-Klinger is an advanced method.
See the documentation for details.
Start from an initial annual withdrawal amount (set above), then apply guardrail adjustments each year.
Upper Guardrail
ⓘ
%
Lower Guardrail
ⓘ
%
Adjustment
ⓘ
%
Minimum Annual Withdrawal
ⓘ
$
04
Additional Cash Flows
Model future income (pension, Social Security, part-time work) or expenses (mortgage payoff, tuition) as recurring cash flows. Positive = inflow, negative = outflow.
+ Add a Cash Flow
Cash Flow 1
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 2
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 3
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 4
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 5
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 6
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 7
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 8
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 9
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
Cash Flow 10
✕ Remove
Cash Flow Name
Monthly Amount
Start Month
Start Year
Perpetual
End Month
End Year
Cost-of-Living Adjusted
ⓘ
05
Advanced Asset Allocation
Can be used to model a "bond tent" or a gradual shift to a different allocation over time. For users unfamiliar with such strategies, sticking to the allocation given above will give a clearer picture of retirement prospects.
Use a Dynamic Asset Allocation Stategy
Begin Allocation Shift
Month to Start Adjusting Allocation
Year to Start Adjusting Allocation
Months to Build
Peak Allocation — At Retirement
Allocation in Equities at Retirement
%
Allocation in Bonds at Retirement
%
Months to Glide
Long-Run Final Allocation
Final Allocation in Equities
%
Final Allocation in Bonds
%
06
One More Year?
Perform One More Year analysis?
ⓘ
Hypothetical amount saved during the extra year
$
↺ Start fresh
The simulation will take 20–30 seconds.