How Yield Clarity works
See your whole financial life. Plan what comes next.
Yield Clarity brings together your investments, property, pensions and cash, and organises them into one financial independence plan, with every assumption visible.
Free plan · No card required
Illustrative demo plan in pounds sterling, with a fixed £42,000 retirement income. You choose your own base currency. Figures are examples, not market data.
1. Build your position
Everything you own, in one place
Add investments, pensions, property with its mortgage, cash and other assets. Each keeps its own currency and detail, and adds into one net worth in your base currency.
2. Choose what funds FI
Set the target your plan works toward
Choose which assets you'll live on (your FI-eligible wealth), then the retirement income you want and a withdrawal rate. Income ÷ withdrawal rate gives your FI target.
- Your home and money set aside count in net worth, not in the plan.
- Contributions can be one monthly amount, or dated phases on Plus.
- A spending plan helps set the income you'll need.
3. See an expected path
An estimated FI date, with its working shown
Your FI-eligible wealth is projected month by month with your contributions and planning return until it reaches the target. Every assumption sits beside the result and can be changed.
It’s an estimate from steady assumptions, not a prediction.
4. Explore decisions and uncertainty
Available on Plus and ProTwo questions, two tools
Scenarios compare choices you control, like saving more or retiring later, against your current plan. Monte Carlo runs the same plan through 10,000 simulated markets to show the range of outcomes you don't control.
Scenarios and Monte Carlo are included in Plus and Pro. Probabilities describe your assumptions; they aren’t guarantees.
5. Keep the plan current
A plan that changes with your life
Update values as they change and the forecast follows. Listed shares, funds and supported crypto are priced from market data several times a day.
- Supported read-only broker connections can import eligible accounts and investments. Other assets can be entered and updated manually. Availability depends on provider and plan.
- Portfolio history, actual spending and reports on Plus and Pro, with AI statement imports on Pro.
- Keep separate plans for different questions, and share a plan as View only or Can edit where your plan includes sharing.
Trust and transparency
Every assumption visible
Return, inflation, withdrawal rate and contributions sit beside the forecast they produce.
No trading or money movement
Yield Clarity reads your data; it never places trades or moves money.
Your data is never sold
Financial data isn't sold, shared with advertisers or used for marketing.
Build a clearer view of your financial future
Add your main assets, set the income you want, and see your estimated FI date.
Free plan · No card required