Model boundaries and glossary
Know what YARCalc simplifies or does not model
Interpret results with the annual engine, tax, brokerage, healthcare, education, stochastic, and strategy boundaries in mind.
When this applies
Read this before using a result for a high-impact retirement decision.
How YARCalc uses it
- Dates feed an annual rather than monthly engine.
- Taxes are planning estimates, not return preparation.
- Brokerage sales use average basis rather than selectable tax lots.
- Healthcare uses annual premiums, out-of-pocket assumptions, subsidies, Part B, and IRMAA rather than claim adjudication.
- College omits several state-tax, aid, credit, and nonqualified-distribution rules.
- Stochastic models simplify market regimes and cannot guarantee calibrated future probabilities.
- Strategies are comparisons and guidance, not trade execution or full multi-year optimization.
- Longevity is currently based on planning dates rather than a mortality-table distribution.