How to test your financial plan in various situations with Claude.

Claude Opus 4.6 examines your financial plan against a comprehensive list of possible outcomes, tracking how each risk propagates through others and building a performance model that you can adapt to.

 

 

1. Job Description

Opus 4.6 compiles all your financial data before building anything. It connects variables that most calculators handle independently—tax brackets, withdrawal sequences, Social Security benefit timing—and explains how they've evolved over the decades.

Describe your situation and what you want to understand. Your financial documents, mentioned in the following section, provide the details. Opus 4.6 defines the approach, runs the analysis, and generates working spreadsheets and scenario exploration tools. From there, you can continue working in Claude on Excel.

Example prompt :

Tôi 52 tuổi, dự định nghỉ hưu ở tuổi 62. Tôi và bạn đời có khoảng 1,2 triệu USD trong tài khoản 401(k), Roth IRA và tài khoản môi giới chịu thuế. Thu nhập của tôi là 185.000 USD, chồng tôi kiếm được 95.000 USD, chúng tôi chi tiêu khoảng 8.500 USD mỗi tháng. Khoản vay thế chấp sẽ được trả hết vào năm 2031. Tôi không chắc liệu chúng tôi có nên chuyển đổi sang Roth IRA ngay bây giờ khi đang ở mức thuế thấp hơn hay không. Tôi đã upload lên tờ khai thuế, sao kê đầu tư, ước tính trợ cấp An sinh xã hội và ngân sách của chúng tôi. Kế hoạch này có vấn đề ở đâu và những bước đi nào mang lại hiệu quả cao nhất?

2. Provide additional information to Claude.

The more complete the information you upload, the better Claude can find connections between your tax situation, investment accounts, and estimated benefits.

Essential information

Upload your financial documents: tax returns, investment account statements, Social Security benefit estimates, and monthly expense breakdowns.

Optional context

The Extended Thinking function allows Claude to adjust the depth of his reasoning based on the complexity of the task. Enabling this function gives Claude more room to reason through complex, interdependent variables before arriving at a result.

3. What Claude created

Opus 4.6 creates a working financial model with probability distributions across a range of modeled scenarios, an interactive scenario explorer, and a clear action plan. Remember, Claude generates output based on the documentation you provide. You should review any strategy with a qualified financial professional before implementing it. This is the type of analysis you will receive:

 

Results from Claude :

I've read through all your documents. Before building on anything, I want to point out one thing: Your mortgage payoff in 2031, your peak income, and your Roth conversion opportunity all coincide. That's a real timing advantage that most calculators will overlook. Here's what I found.

Financial overview : Combined income, savings by account type, monthly expenses, savings rate, and estimated Social Security benefits.

Monte Carlo Results : Estimated success rates up to age 92 based on historical return distributions, average portfolios at key ages, and depreciation rates at the 10th percentile. These results will change significantly as you adjust fundamental assumptions, which scenario exploration tools allow you to do.

Potential weakness in the model : Risk of sequential returns. A bear market in the first two years of retirement would significantly reduce the estimated success rate. A similar downturn a decade later would have virtually no effect.

The three strategies with the greatest impact on the estimated success rate are the Roth Switching Scale, delaying Social Security benefits until age 70, and the two-year cash reserve, each with a modeled impact on the probability distribution.

Interactive scenario exploration tool : Turn strategies on and off and track changes in probability distributions. Adjust assumptions about returns, inflation, and expenditure.

Downloadable spreadsheet : Adjustable input parameters, Monte Carlo results, Roth conversion schedule, withdrawal sequence, and annual tax forecast.

Important Note : This analysis models scenarios based on the input parameters you provide and general financial principles. It does not fully reflect your financial situation, tax status, or personal circumstances as a licensed advisor. Please review any strategy with a certified public accountant (CPA) who only charges a fee before making any changes to your plan.

4. Subsequent prompts

Continue the conversation with Claude to refine, expand, or explore further.

Examine the impact of a life change.

Opus 4.6 maintains the same complexity when you introduce an unexpected element into the plan. Describe a scenario, and the software will rerun the entire analysis, tracking how a variable impacts earnings, taxes, withdrawal sequence, and long-term success rate without simplifying the interactions.

Example prompt :

Điều gì sẽ xảy ra nếu tôi mất việc ở tuổi 57 và chỉ có thể tìm được việc làm với mức lương 120.000 đô la? Điều đó sẽ thay đổi thời hạn chuyển đổi sang Roth như thế nào?

 

Import the model into Excel.

Opus 4.6 creates downloadable spreadsheets that you can open in Claude on Excel to continue fine-tuning. Change an assumption, test a new scenario, or expand forecasts without rebuilding anything from scratch.

Example prompt :

Tôi muốn thử nghiệm với các giả định về lạm phát. Điều gì sẽ xảy ra với trình tự rút tiền nếu chúng ta có một năm lạm phát 5% vào năm 2029?

Ask yourself what you're missing.

Opus 4.6 analyzes the reasoning across financial and tax spheres at an expert level and will highlight things you haven't considered, such as short transition periods due to tax bracket changes or withdrawal orders that save you money for decades. Let's dig deeper.

Một nhà hoạch định tài chính sẽ chỉ ra điều gì về kế hoạch này mà tôi chưa hỏi?

5. Tips, advice, and troubleshooting

Start with your situation.

If you are unsure about the method you want to use, describe your financial situation and what you want to understand. Opus 4.6 will automatically determine the analytical method from your context.

Upload everything at once.

Opus 4.6 compiles all your documents before building anything, identifying interactions between your tax returns, investment reports, and Social Security estimates. The more complete the picture, the more powerful the analysis.

Run longer analyses through Cowork.

If your financial documents are already on your computer, Cowork in Claude Desktop can read them directly from a folder instead of uploading them one by one. For complex plans with multiple accounts, tax factors, and interdependent variables, Cowork handles longer analyses without contextual limitations, initializing sub-agents to model different scenarios in parallel before aggregating the results.

Start another task while this task is running.

Financial modeling runs on multiple variables and scenarios. Open a new session from the sidebar for other work. You'll see a gray dot in the sidebar when this task needs attention.