How is this different from regular Monte Carlo?

Regular Monte Carlo projects portfolio paths before tax effects. Tax-aware mode applies saved household, account, and holdings context to each path. You can then review after-tax success rate, terminal value, and lifetime tax estimates.

Why is tax-aware Monte Carlo Pro-gated?

Each path runs higher-cost account-level tax calculations. The Pro gate covers that heavier compute path and keeps the supported path count bounded.

ArthaPilot

Tax-aware Monte Carlo

Tax-aware Monte Carlo for after-tax retirement outcomes

Model simulated retirement paths after the planner applies household taxes, account types, RMDs, and withdrawal assumptions.

Each simulated path uses saved household, account, and holdings context.

Open retirement example See Pro plans

Workflow screenshots

See the workflow

ArthaPilot Monte Carlo configuration showing tax-aware simulation controls and household context. — Tax-aware mode keeps household context, projection start, withdrawal rule, and path-count limits visible before running simulated paths.

ArthaPilot Monte Carlo results showing populated success-rate, percentile, and outcome diagnostics. — Review populated success-rate, percentile, and outcome diagnostics instead of stopping at an empty setup screen.

Start with one question

Explore the results

After-tax success range

How does the plan look after the planner applies taxes, RMDs, and account context to each path?

Output previewAfter-tax success rate | terminal value percentiles | lifetime tax paid percentiles

Open retirement example

Tax-path diagnostics

Which simulated years show tax pressure, RMD effects, or cash-shortfall risk?

Output previewAnnual after-tax fan chart | RMD indicators | cash-shortfall incidence

See Pro plans

What tax-aware mode adds

Path-by-path tax calculations using saved household and account context.
After-tax success rate and terminal value percentiles.
Lifetime tax paid percentiles and annual after-tax path visualization.
RMD and cash-shortfall indicators when those events appear in the simulation.

Inputs to inspect before relying on a run

Household tax profile, filing status, and account tax treatment.
Holdings snapshot date and whether the snapshot reflects the intended portfolio.
Return model, withdrawal rule, simulation count, and projection start date.

Current model boundaries

Tax-aware Monte Carlo supports up to 500 paths and a defined set of dynamic withdrawal rules. Read the result as scenario modeling under the disclosed assumptions.

Interpretation boundary

This workflow estimates after-tax paths for configured scenarios. It does not recommend withdrawals, conversions, trades, or filing positions.

FAQ

How is this different from regular Monte Carlo?: Regular Monte Carlo projects portfolio paths before tax effects. Tax-aware mode applies saved household, account, and holdings context to each path. You can then review after-tax success rate, terminal value, and lifetime tax estimates.
Why is tax-aware Monte Carlo Pro-gated?: Each path runs higher-cost account-level tax calculations. The Pro gate covers that heavier compute path and keeps the supported path count bounded.

Monte Carlo guide

Review the standard Monte Carlo workflow and inputs.

Monte Carlo docs

Read the methodology and interpretation guide.

Tax-aware backtesting

Compare historical portfolio paths with explicit tax assumptions.

Roth conversion IRMAA and ACA

Inspect conversion schedules with MAGI-sensitive thresholds visible.

Tax-Aware Retirement Simulator

See what the Retirement Planner applies to each simulated year.