Current Version
Version 4.2.2 (Windows)
WARPSimLab is a full-featured, free educational personal finance and retirement simulation application for exploring income, expenses, taxes, portfolio behavior, and long-term outcomes over time.
It supports Historical Window analysis, Monte Carlo simulation, deterministic projections, and side-by-side scenario exploration so you can compare how the same plan behaves under different assumptions and market paths.
WARPSimLab runs locally on your computer and does not send your data to external services or websites.
Ready to try it? Download the current Windows release below.
Windows security notice: WARPSimLab is not currently code-signed, so Windows may display a "Windows protected your PC" or "Unknown publisher" warning when you first run it. This is expected for unsigned software. Click More info, then Run anyway to continue. Detailed installation instructions are provided below.
Version 4.2.2 (Windows)
Free
MIT License
Available as a Windows ZIP package and a GitHub source-code archive.
Approximately 40 MB
W. Alan Scott
Downloads are available as either a packaged Windows application or a source-code archive. Ubuntu and macOS users can run WARPSimLab directly from the Python source by following the instructions below. The source archive is also suitable for developers, educators, and users who wish to inspect or modify the software.
Apply the same plan across rolling historical market periods to see how timing affects outcomes.
Run the same plan across many simulated market paths to examine a range of possible outcomes.
Compare baseline and modified assumptions side by side without changing saved data.
Explore income, expenses, taxes, withdrawals, asset allocation, and long-term balances.
The simulator runs on your computer and does not intentionally transmit entered financial data to external services.
Designed for exploration and learning, not as a substitute for professional advice.
Important: WARPSimLab is distributed as a ZIP file. You must extract it before running.
Windows security note: WARPSimLab is independent freeware and is not currently code-signed. Because of that, Windows may display a "Windows protected your PC" warning. This is expected behavior for unsigned software.
To continue running the program:
WARPSimLab can be run directly from Python source code on Ubuntu. These instructions download the source release, install the required Ubuntu components, and create an isolated Python virtual environment. The commands below are for version 4.2.2.
Open a terminal, and create and change to the directory where you want to install WARPSimLab. For example:
mkdir -p ~/WARPSimLab
cd ~/WARPSimLab
wget https://github.com/hialanne/warpsimlab/archive/refs/tags/v4.2.2.tar.gz -O WARPSimLab-4.2.2.tar.gz
Alternatively, download the
WARPSimLab 4.2.2 source archive
using a web browser. The file will normally be saved in your
Downloads directory. Move it into the WARPSimLab directory:
mv ~/Downloads/4.2.2.tar.gz ~/WARPSimLab/WARPSimLab-4.2.2.tar.gz
Extract the archive and enter the WARPSimLab source directory:
tar -xzf WARPSimLab-4.2.2.tar.gz
cd WARPSimLab-4.2.2
Run:
sudo apt update
sudo apt install python3 python3-venv python3-pip python3-tk
python3 -m venv .venv
source .venv/bin/activate
After activation, the terminal prompt will normally begin with
(.venv).
python3 -m pip install --upgrade pip
python3 -m pip install -r requirements.txt
python3 WARPSimLab.py
The Ubuntu prerequisites, virtual environment, and Python dependencies normally need to be installed only once. To run WARPSimLab again:
cd ~/WARPSimLab/warpsimlab-4.2.2
source .venv/bin/activate
python WARPSimLab.py
Change the directory in the first command if you installed WARPSimLab
somewhere other than ~/WARPSimLab.
When finished, you can leave the virtual environment by running:
deactivate
WARPSimLab source code is released under the MIT License.
WARPSimLab can be run directly from Python source code on macOS. These instructions download the source release, verify that a suitable version of Python is installed, and create an isolated Python virtual environment. The commands below are for version 4.2.2.
Open Terminal and run:
python3 --version
WARPSimLab requires Python 3.10 or newer. If Python is not installed, or the installed version is older than Python 3.10, download and install a current Python 3 release from python.org.
After installing Python, close the Terminal.
Download the current WARPSimLab source release:
WARPSimLab 4.2.2 source archive
The file will normally be saved in your Downloads
directory. Extract the archive, then open the Terminal again and change to the
extracted WARPSimLab directory. For example:
cd ~/Downloads/warpsimlab-4.2.2
python3 -m venv .venv
source .venv/bin/activate
After activation, the Terminal prompt will normally begin with
(.venv).
python3 -m pip install --upgrade pip
python3 -m pip install -r requirements.txt
python3 WARPSimLab.py
Python, the virtual environment, and the Python dependencies normally need to be installed only once. To run WARPSimLab again:
cd ~/Downloads/warpsimlab-4.2.2
source .venv/bin/activate
python3 WARPSimLab.py
Change the directory in the first command if you installed WARPSimLab
somewhere other than your Downloads directory.
When finished, you can leave the virtual environment by running:
deactivate
WARPSimLab source code is released under the MIT License.
WARPSimLab currently provides a packaged Windows build. Ubuntu and macOS users can run the Python source release by following the instructions above; packaged builds may be added later.
Available now
Standalone packaged release for Windows.
Download Windows BuildAvailable now
Python source release generated from the GitHub v4.2.2 tag.
Download Source ArchiveAvailable now
Review changes, fixes, and new features in the current release.
View Release NotesWARPSimLab is free educational software created by Alan Scott. It is intended to help users explore personal finance and retirement scenarios, not to provide predictions, guarantees, or professional advice.
New users may want to review the FAQ, the Historical Window page, the Monte Carlo page, or the Scenario Explorer page before downloading.