Retirement Planner | YellowSunny

How it works

Inputs you provide

Assumptions — scenario name, retirement age/year, tax method or filing status, asset growth, and inflation.
Income / Expenses — annual base amounts with inclusive start/end years. Active amounts inflate from each row's start year.
Distributions — annual amounts with inclusive start/end years. Distribution amounts are not inflation-adjusted.
Cash Value Assets — Savings/Brokerage seeds the Savings balance; 401K/IRA/Other seed Portfolio Assets.

Calculation

Federal tax is estimated either with your selected flat tax rate or with the selected filing status, 2026 standard deduction, and 2026 progressive federal income-tax brackets.
The simplified tax model treats entered income and distributions as ordinary taxable income. Flat-tax mode applies the entered rate directly to that combined amount; it does not apply the standard deduction or brackets.
The model does not separately account for credits, capital gains rates, or special Social Security taxation.
Net Income = Income + Distributions − Taxes.
Net Cash Flow = Net Income − Expenses. Savings = prior Savings + Net Cash Flow.
Portfolio = (prior Portfolio − Distributions) × (1 + Asset Growth %).
The worksheet contains 49 annual rows.

Assumptions

Scenario Name i Retirement Age i Retirement Year i

Tax filing status in retirement i

Single Married Filing Jointly Married Filing Separately Head of Household Use flat tax rate

Asset Growth % i Inflation % i

Income in Retirement i

Income Name i	Annual Amount i	Start Year i	End Year i	Actions i

Expense Name i	Annual Amount i	Start Year i	End Year i	Actions i

Distribution Name i	Distribution Type i	Annual Amount i	Start Year i	End Year i	Actions i

Asset Name i	Asset Type i	Amount i	Actions i

Projection Worksheet i

Year	Age	Income	Distributions	Taxes	Net Income	Expenses	Net Cash Flow	Savings	Cash Value Assets