I built WARPSimLab, a personal finance simulation tool for exploring long-term financial scenarios.
It lets you change inputs and see how cash flows and portfolios play out over time.
It supports:
- multiple income sources (wages, Social Security, pensions, annuities)
- modeling portfolios across asset classes using fixed returns or Monte Carlo-style simulations
- year-by-year simulation of income, expenses, taxes, and withdrawals
- retirement transitions and changes in income and spending over time
- modeling in today’s dollars or future (inflated) dollars
- separate handling of pre-tax and after-tax accounts
Outputs include portfolio trajectories, cash flow breakdowns, and Monte Carlo ranges.
I originally built this because I used a DOS-based simulator years ago and hadn’t found a modern equivalent. It started as a personal project and evolved into a full application.
It runs locally (not in the browser) and doesn’t require an account.
alanne•1h ago
It lets you change inputs and see how cash flows and portfolios play out over time.
It supports: - multiple income sources (wages, Social Security, pensions, annuities) - modeling portfolios across asset classes using fixed returns or Monte Carlo-style simulations - year-by-year simulation of income, expenses, taxes, and withdrawals - retirement transitions and changes in income and spending over time - modeling in today’s dollars or future (inflated) dollars - separate handling of pre-tax and after-tax accounts
Outputs include portfolio trajectories, cash flow breakdowns, and Monte Carlo ranges.
I originally built this because I used a DOS-based simulator years ago and hadn’t found a modern equivalent. It started as a personal project and evolved into a full application.
It runs locally (not in the browser) and doesn’t require an account.
https://warpsimlab.org
Happy to answer questions.