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Started By
Message
Retirement Modeler
Posted on 7/9/26 at 6:51 am
Posted on 7/9/26 at 6:51 am
I built a retirement modeler in Claude and figured I'd share it in case anyone wants to mess around with it. It should be pretty self-explanatory, but if something doesn't make sense or you have questions, I'll answer them if I see them.
Just open the link in your own Claude account and make a copy. From there you can change anything you want or add features if you think of something useful.
I'm thinking about adding support for different retirement account types, some tax modeling, and maybe a tab that looks up state tax rates so you can compare what retiring in different places might save or cost you. I mostly built it because I like running different "what if" scenarios. It's definitely not a replacement for a financial planner or any retirement software you're already using—just another tool to play with and see how different decisions affect the numbers.
Claude link to modeler
Just open the link in your own Claude account and make a copy. From there you can change anything you want or add features if you think of something useful.
I'm thinking about adding support for different retirement account types, some tax modeling, and maybe a tab that looks up state tax rates so you can compare what retiring in different places might save or cost you. I mostly built it because I like running different "what if" scenarios. It's definitely not a replacement for a financial planner or any retirement software you're already using—just another tool to play with and see how different decisions affect the numbers.
Claude link to modeler
10
Posted on 7/9/26 at 9:18 am to way_south
nice job. Current portfolio needs to allow for higher values. I like the Monte Carlo. How'd you learn to do this? Great effort!
Posted on 7/9/26 at 9:28 am to mfabache
quote:
How'd you learn to do this?
Someone posted a very basic one that I came across on reddit and I have been just telling Claude AI what i wanted added and how i wanted it displayed. You might be able to adjust the retirement values in your own Claude account to suit your needs. I considered adding a pension slider, but that doesn't apply to me so I haven't.
Posted on 7/9/26 at 1:34 pm to way_south
I made a similar model in Excel about 10+ years ago, before I retired. I had a Monte Carlo model with 2000 simulations, outputting the average portfolio value, estimated yearly MRD's, yearly taxes (which I should check, it's still using tables from 10 years ago). I linked the inputs to another spreadsheet that I update monthly tracking my portfolio. I didn't have any spending slowdown options, but had Mean & SdtDev for Market returns, and Inflation built into the Monte Carlo.
I still run the simulation once or twice a year
I still run the simulation once or twice a year
Posted on 7/9/26 at 8:21 pm to way_south
Nice
Can you increase the expense and the portfolio max?
Can you increase the expense and the portfolio max?
Posted on 7/9/26 at 8:34 pm to way_south
Needs a teacher retirement option for the spouse…
Posted on 7/10/26 at 5:49 am to Mockingbird2008
quote:
Can you increase the expense and the portfolio max?
quote:
Needs a teacher retirement option for the spouse…
You should be able to edit it in Claude and add what you want, this suits me so far and it's big enough that adding anything or asking questions eats up my free tokens. I am going to play with various types of investments and tax strategies next I think,
I can download the code and send it out of you put your email in, i don't think I can paste that much in a message.
Posted on 7/10/26 at 6:02 am to way_south
I've done the same thing in Gemini. In fact, using Gemini as an "expert level CFP" has been a gamechanger. I have it build custom monte carlo simulators with a long list of variable sliders and options for different scenarios once retired (tax changes, SS changes, house purchases etc). It has basically become my number one hobby sadly. These AI systems are great for all of the tax crap that I can't possibly keep up with. I'd say outside of the really complicated rich folks, AI will destroy CFPs as a career choice. Note of caution, it can make some minor mistakes here and there. If you have basic knowledge of most retirement principals you'll catch them and get the AI engine to make the necessary corrections.
Posted on 7/10/26 at 6:26 am to Bamajedi
quote:
Gemini
I just copied the code there to see if I can do more with the free tier. Rendered everything just fine and displayed perfectly within a minute or so of me uploading the code.
I agree, ai is going to cause some serious issues for many people. I have 4 or 5 years left and hopefully I can hang on. I worry about our kids.
Posted on 7/10/26 at 8:15 am to way_south
I have built a model in Excel (might dabble in some AI in the future, good idea), but one thing I havent really figured out yet is how to best figure out my distributions to minimize my tax bracket in retirement. I will have a good mix of 401k, Roth, and brokerage accounts, and so trying to figure out where my retirement income should come from (i.e. which sources), is what I havent really modeled out. I also want to minimize the required distributions from my 401k as well, so that those dont push me into a higher tax bracket.
Anyway, curious if your model has any of that built into it? (I havent clicked your link, cant do it from my work laptop, which is what I'm on)
Anyway, curious if your model has any of that built into it? (I havent clicked your link, cant do it from my work laptop, which is what I'm on)
Posted on 7/10/26 at 8:35 am to way_south
quote:
worry about our kids.
Why? They will be raised with these tools and will adapt skill sets to utilize them. If someone cannot adapt, then yes, they are left behind and will be challenged.
The world has looked dramatically different with every generation for the last 100 years…pace of change unlike anything in history of humanity. It’s part of being the species now.
Posted on 7/10/26 at 8:53 am to way_south
I’m skeptical of putting too much financial PII into AI models currently. They absolutely have the ability to build a world class tool.
Posted on 7/10/26 at 11:03 am to way_south
When I put that I was a millenial it said “work in the Amazon mine til you die”
At least it’s realistic
At least it’s realistic
Posted on 7/10/26 at 3:07 pm to el Gaucho
quote:
When I put that I was a millenial it said “work in the Amazon mine til you die”
When I put in that you are a millennial it said “Bet boomers will haunt that Amazon mine till death”.
Posted on 7/10/26 at 3:11 pm to lynxcat
quote:
adapt
This!
Not a new concept. Just is / will be exponentially faster.
Which Degree? Meh. Learn to learn / adapt! Lead change! The more resilient way forward.
Posted on 7/10/26 at 10:35 pm to lynxcat
quote:
worry about our kids.
Why? They will be raised with these tools and will adapt skill sets to utilize them. If someone cannot adapt, then yes, they are left behind and will be challenged.
The world has looked dramatically different with every generation for the last 100 years…pace of change unlike anything in history of humanity. It’s part of being the species now.
Although I am not an early adopter in computer science technology, I can laugh about my childhood. We needed a computer in the late 80's / early 90's and did our school papers on word processors. Every time the argument came up between mom and dad about computers, he always claimed that the machine will be outdated in a few years, and we need to wait until the premium (pentium) processor comes out. We never got a computer until late high school, and it was a five year old office hand me down.
His mindset was that one day the computers would plateau and be like buying a refrigerator in the 1950's and it lasting three generations. Little did he understand the mindset in the future would be constantly upgrading and tossing out old computers.
I suffered from that. Did not really know how to use a computer until I was in high school, and that was because I learned from my friends about America Online.
This post was edited on 7/10/26 at 10:37 pm
Posted on 7/11/26 at 12:17 pm to way_south
I would love to see some models for early retirement.
Posted on 7/12/26 at 11:42 am to way_south
I found 2 errors in the code and fixed them. In the original, annual salary was pulled once a year and not monthly allowing interest to grow on money that will normally be pulled monthly. Second the table below was calculating gains a year off allowing every year of portfolio value to earn and over 30 years that skewed results. This is much more realistic.
updated modeler
updated modeler
Posted on 7/13/26 at 6:52 pm to way_south
I like what you’ve done here and I come with two requests:
1) can you add 55 and 57 as retirement ages?
2) can you include various account types: brokerage, hsa, Roth, traditional retirement?
Thank you!
1) can you add 55 and 57 as retirement ages?
2) can you include various account types: brokerage, hsa, Roth, traditional retirement?
Thank you!
Posted on 7/13/26 at 7:26 pm to way_south
This is great.
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