Executive Summary Report
Provides a broad overview of the simulation, including portfolio milestones, income and cash-flow summaries, portfolio and operating-balance visuals, simulation totals, risk indicators, and the assumptions used for the run.
Simulation Reports
WARPSimLab generates several reports, including an executive summary, a detailed year-by-year report, tax report, and Monte Carlo and Historical Windows risk analyses.
Reports are generated locally as HTML files that can be viewed and printed from a web browser. The sample PDFs on this page were generated using sample data.
WARPSimLab is for educational use only. It does not provide financial, investment, tax, legal, or retirement advice. Read the full legal disclaimer.
Available Reports
Each report presents a different view of your data. Together, they provide both a broad overview and detailed analysis of annual results, taxes, and portfolio risk.
Year-by-Year Details Report
Presents summary statistics followed by detailed year-by-year tables showing income, taxes, household cash flow, contributions and withdrawals, and portfolio balances across pre-tax, post-tax, Roth, HSA, real-estate, and asset-class categories.
Tax Report
Explains estimated federal, state, and payroll taxes across the simulation, including lifetime and annual taxes, effective and marginal tax rates, taxable income sources, retirement withdrawals, RMDs, Roth and HSA activity, and the assumptions and limitations of the tax model.
Historical Windows Risk Report
Shows how the modeled household would have performed across many actual historical market periods. It summarizes portfolio survival, the strongest and weakest historical retirement start years, sequence-of-returns risk, and the range of portfolio outcomes.
Monte Carlo Risk Report
Shows how the modeled household performs across many simulated market paths. It summarizes portfolio survival and depletion timing, illustrates the range of portfolio outcomes, and provides year-by-year percentile results from less favorable to more favorable simulated market conditions.
Spending Comparison Report
Compares a range of household spending levels and shows how changes in spending affect portfolio depletion risk, ending portfolio values, and lifetime financial results. It includes historical-market comparisons as well as the effects on household expenses, taxes, cash-flow shortfalls, and uncovered expenses.
Asset Allocation Comparison Report
Compares different stock, bond, and cash allocations while holding the household's other modeled assumptions constant. It shows portfolio depletion risk, ending portfolio results across a range of historical market conditions, and historical-window visualizations illustrating how different allocations affect portfolio behavior over time.
Retirement & Social Security Comparision Report
Explores how different retirement ages and Social Security claiming ages affect the household's modeled financial results. It compares retirement timing and Social Security timing separately and together, showing changes in portfolio depletion risk, retirement income, cash-flow shortfalls, and ending portfolio values.
Generated Locally
WARPSimLab creates report files on your computer using the results and assumptions from the selected simulation. Financial data and generated reports are not transmitted to WARPSimLab or stored by an external service.
To generate reports from your own simulations, visit the downloads page.