Investment Journey Simulator v4.4.4

v4.4.4

A small polish release focused on making the package easier to discover, install and understand.

What changed

• Added a dedicated, cleaner PyPI package page
• Improved package metadata and release discoverability
• Added a concise install and launch flow for new users
• Refined project links and public documentation references
• Kept the numerical engine unchanged

Install

pip install investment-journey-simulator

Then launch with:

investment-journey

Decisions compound too.

Investment Journey Simulator v4.4.2

Investment Journey Simulator v4.4.2

Decisions compound too.

Investment Journey Simulator models how contributions, step-ups, pauses,
withdrawals, timing, tax, rebalancing and other real-life decisions can
change a long-term investment journey and helps explain why the outcomes
differ.

Highlights

• Timeline-based investment journey planning
• Multi-fund SIP and lump-sum simulation
• Contribution step-ups, pauses, resumes and restarts
• One-off and recurring withdrawals
• Full-plan liquidation and later restart
• Goal planning and scenario comparison
• Shapley-based attribution of differences between journeys
• Rebalancing analysis
• Historical replay and stochastic risk analysis
• Inflation-aware nominal and real-value projections
• Indian capital-gains tax modelling for the supported resident-individual scope
• PDF, Excel and JSON reporting
• Beginner, Guided and advanced workflows
• NRI and India-focused educational guides

Validation

• 2,488 tests passed
• 3 intentionally skipped
• 93% statement coverage
• Ruff clean
• mypy clean
• House-style checks clean
• Independent cross-checking across approximately 29,000 untaxed
  and 4,800 taxed randomized plans
• Statutory tax parameters are sourced and documented

See
docs/VALIDATION_AND_LIMITATIONS.md
for the measured validation evidence and known limitations.

Try it

Live app: https://investment-journey.streamlit.app

Important

This is a simulation and educational tool, not financial, tax, legal or
investment advice. Future returns are assumptions, not forecasts or guarantees.
Tax rules and regulatory treatment can change; verify current rules for your
circumstances.

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You define the assumptions. It shows you their consequences.