Create, compare, score, and apply strategies
Compare planning policies against the same scenario inputs and understand the relative recommendation.
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.
41 results for “Strategies, guidance, and reports”
Use the Annual Action Plan and monitoring baseline
Turn current guidance into reviewable yearly actions, decisions, notes, and guardrails.
Set cash, allocation, risk, legacy, and Roth planning policy
Tell guidance and comparisons what outcomes and constraints matter to the household.
Use the Home plan and What-if scenarios
Keep one operational plan current while testing alternate assumptions without changing it.
Understand beneficiary and legacy planning
Express legacy intent and compare after-tax household and beneficiary tradeoffs.
Enter holdings, prices, and asset classes
Build account value from quantity, price, cost basis, and broad asset classification.
Read Projection balances and cash flow
Understand the deterministic year-by-year result and trace the inputs that create it.
Read the Dashboard and retirement readiness
Use highlights, readiness, projection, insights, and actions as the plan’s starting point.
Update prices and understand Balance History
Save a dated valuation snapshot and compare actual balances with the plan over time.
Choose fixed or historical return and inflation assumptions
Understand the deterministic assumptions used before stochastic analysis.
Choose the correct account type and tax treatment
Map real accounts to YARCalc’s 401(k), IRA, Roth, brokerage, cash, HSA, 529, and fixed-income choices.
Enter brokerage cost basis and dividends
Model taxable gains and qualified, ordinary, reinvested, or cash dividends.
Enter household dates, state, and filing status
Set the people and milestones that drive retirement, benefit, tax, and planning years.
Model an inherited IRA and withdrawal schedule
Keep inherited tax-deferred assets separate and select the applicable saved schedule.
Model college costs and a linked 529
Project tuition and living costs and reserve a 529 for its linked education goal.
Model disability, survivor, and other recurring benefits
Enter benefits whose tax treatment and duration depend on the actual policy.
Model housing, mortgage, rent, and property tax
Represent required housing costs and their different end and growth rules.
Model recurring and age-banded spending
Separate costs that must continue from flexible spending and schedule changes by age.
Model Social Security for workers, spouses, and survivors
Enter the statement amount and claiming date YARCalc uses for worker, spousal, and survivor benefits.
Navigate, save changes, and recover from errors
Know what is saved, how scenario context follows links, and what to do after a failed request.
Run and understand Stochastic Analysis
Stress-test the same annual plan across thousands of possible market, inflation, spending, and healthcare paths.
Set preferences, reminders, and privacy choices
Choose the default page, regional date format, and optional quarterly email reminders.
Sign in, recover access, and secure your account
Understand passwords, recovery codes, multifactor authentication, and device sessions.
Understand taxes, withdrawal order, and RMDs
See how account tax treatment, gains, Social Security, RMD tables, and tax-payment funding interact.
Enter account contributions and stop dates
Add annual savings without double-counting employer or payroll flows.
Gather information and start a plan
Build a useful first plan, then add detail without losing your starting work.
Model healthcare between retirement and Medicare
Represent employer, retiree, COBRA, Marketplace, or other coverage for each person before Medicare.
Model Medicare, Medigap, retiree supplements, and government coverage
Choose the combined arrangement that matches each person’s actual Medicare coverage.
Understand dates and annual calculation timing
YARCalc accepts planning dates but currently calculates one annual period at a time.
Use Scenario Editor
Edit the complete set of inputs used by projections, comparisons, and guidance.
YARCalc glossary
Plain-language definitions for terms used throughout the planning screens and reports.
Know what YARCalc simplifies or does not model
Interpret results with the annual engine, tax, brokerage, healthcare, education, stochastic, and strategy boundaries in mind.
Complete a quarterly plan check-in
Confirm what changed, update only affected sections, and keep monitoring current.
Model a pension or defined benefit
Translate a pension estimate into an annual stream with the correct start, growth, owner, and tax treatment.
Model annuity income or an existing fixed annuity account
Choose between a recurring annuity payment and an asset balance based on what you actually own.
Model current work or self-employment income
Add gross annual earned income and stop it at retirement or another date.
Model deferred compensation, severance, or salary continuation
Add temporary post-employment payments with their actual dates and growth rules.
Model a one-time goal or expense
Schedule a single cash need such as a vehicle, renovation, gift, or large purchase.
Model a retirement-income bridge or supplement
Distinguish a temporary employer payment from withdrawals that bridge a gap from your own accounts.
Use an HSA for qualified medical spending
Enter the HSA as its own account so qualified medical expenses can be paid tax-free.
Use Variable Sweeps
Change one assumption across a valid range to see which values materially alter the plan.