Portfolio forecasting
See where your investments are heading
Yield Clarity projects your portfolio month by month using your actual holdings, contribution plan, return assumption, inflation and withdrawal strategy. You get both a single expected path and a range of probabilistic outcomes.
What drives the forecast
Current FI-eligible portfolio
Your starting value comes from your actual holdings, not a manually entered estimate.
Monthly contributions
Model different contribution phases over time. Contributions can stop automatically at retirement.
Planning return
Set a manual return assumption or derive it from your portfolio's historical return data.
Inflation
Your FI target and withdrawal amounts adjust for inflation to preserve purchasing power.
Withdrawal strategy
Choose fixed real income, fixed nominal income, or percentage-of-portfolio withdrawals.
Retirement horizon
Model the accumulation phase and test whether your portfolio sustains withdrawals through retirement.
Expected path
The expected-path forecast applies your annual return rate consistently each month, adds contributions, and tracks progress toward your FI target. The result is one projected FI date based on your chosen assumptions.
Useful for understanding how changes to inputs affect the outcome.
Range & probability
The probabilistic forecast runs 10,000 simulated market paths. Each path draws monthly returns from a probability distribution calibrated to your assumptions. The result is a range of possible outcomes and the probability of reaching your target.
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