A browser-based retirement planning tool positioned between simple calculators (HonestMath, Empower) and full-featured tools (ProjectionLab). Clean UX, honest Monte Carlo projections, and solid tax awareness without overwhelming complexity.
App: yarp.bluewiz.net
- Monte Carlo simulation — 1,000 runs by default (configurable up to 10,000) with log-normal or Student's t returns; a deterministic Projected line plus a shaded 10th–90th-percentile "likely range" band
- Multi-account modeling — Traditional (pre-tax), Roth (tax-free), and Taxable accounts with per-account stock/bond allocation
- Tax-aware withdrawals — federal + state income tax, RMDs at 73+, Roth conversions, SS provisional income formula
- Income events — Social Security (with 2034 haircut option), pensions, employment savings, Roth conversions, and more
- Spending goals — 11 categories with inflation adjustment, age-based activation, and optional spending decay
- State tax timeline — model future relocations with per-year effective state tax rates
- Historical return modes — Trinity-style rolling sequences or block bootstrap from 1928–2024 S&P 500 / Treasury / CPI data
- Scenario comparison — overlay two scenarios on the same chart
- No account required — runs entirely in the browser; data stored in IndexedDB
React 19, TypeScript, Vite, PrimeReact, Chart.js, IndexedDB
git clone https://github.com/remackgeek/retirement-planner.git
cd retirement-planner
npm install
npm run devnpm run dev # dev server
npm run build # type-check + production build
npm run test # vitest
npm run deploy # deploy to GitHub PagesMIT — see LICENSE