YARCalc user manual

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Find out how to translate what you know into YARCalc, understand results, and use every part of the application.

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Try a financial term, a YARCalc label, or browse the topics below. Examples: bridge, 401(k), Medicare, cost basis, Roth conversion, probability, or RMD.

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Getting started

Gather information and start a plan
Navigate, save changes, and recover from errors
Use Scenario Editor

Household and Social Security

Enter household dates, state, and filing status
Model Social Security for workers, spouses, and survivors

Income and benefits

Model current work or self-employment income
Model a pension or defined benefit
Model a retirement-income bridge or supplement
Model deferred compensation, severance, or salary continuation
Model disability, survivor, and other recurring benefits
Model annuity income or an existing fixed annuity account

Healthcare

Model healthcare between retirement and Medicare
Model Medicare, Medigap, retiree supplements, and government coverage
Use an HSA for qualified medical spending

Accounts, holdings, and balances

Choose the correct account type and tax treatment
Enter account contributions and stop dates
Enter holdings, prices, and asset classes
Enter brokerage cost basis and dividends
Model an inherited IRA and withdrawal schedule
Update prices and understand Balance History

Spending, housing, and goals

Model recurring and age-banded spending
Model housing, mortgage, rent, and property tax
Model a one-time goal or expense
Model college costs and a linked 529

Assumptions and planning policy

Choose fixed or historical return and inflation assumptions
Set cash, allocation, risk, legacy, and Roth planning policy

Scenarios and planning choices

Use the Home plan and What-if scenarios

Analysis and results

Read the Dashboard and retirement readiness
Complete a quarterly plan check-in
Read Projection balances and cash flow
Understand taxes, withdrawal order, and RMDs
Run and understand Stochastic Analysis
Use Variable Sweeps

Strategies, guidance, and reports

Create, compare, score, and apply strategies
Use the Annual Action Plan and monitoring baseline
Understand beneficiary and legacy planning

Account, privacy, and operation

Sign in, recover access, and secure your account
Set preferences, reminders, and privacy choices

Model boundaries and glossary

Understand dates and annual calculation timing
Know what YARCalc simplifies or does not model
YARCalc glossary