Retirement planning
A complete retirement planner connected to your real portfolio
Most retirement planning tools ask you to estimate a single portfolio value. Yield Clarity connects to your actual investments, property, cash and other assets — then projects your path through accumulation, the transition to retirement, and the withdrawal phase.
The complete planning workflow
Capture your position
Add your investments, property equity, cash and other assets. Each asset records its value, currency and whether it counts toward your FI target.
Set your target
Define your desired retirement income and withdrawal rate. Yield Clarity calculates the portfolio value needed to sustain that income.
Model contributions
Set monthly contribution amounts with optional phases. You can model higher contributions now, reduced contributions later, and stopping at retirement.
Choose your assumptions
Set your planning return (or let Yield Clarity derive it from your holdings), inflation assumption and withdrawal strategy.
See your forecast
The expected-path forecast shows a single projected FI date. The probabilistic forecast runs 10,000 market paths to show the range of outcomes.
Test decisions
Compare scenarios: invest more, reduce expenses, accept a different return, or change your target date. See which decisions make the biggest difference.
Two forecasting approaches
Yield Clarity offers both a deterministic expected-path forecast and a probabilistic Monte Carlo forecast. The expected path shows one projected outcome based on your assumptions. The probabilistic forecast shows a range of outcomes and the probability of reaching your target.
Together they give you a more complete picture than either could alone.
Learn about Monte Carlo simulationRetirement sustainability
Reaching your FI target is only part of the question. Yield Clarity also models the withdrawal phase, testing whether your portfolio can sustain your desired income through a chosen retirement horizon.
The sustainability analysis includes sequence-of-returns risk — showing how vulnerable your retirement income is to poor market returns in the early years.
Not financial advice
Yield Clarity is a planning tool. Projections are based on assumptions and do not predict actual outcomes. The tool does not model tax, pension income, social security or country-specific regulations. Use it alongside professional advice where appropriate.
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