Monte Carlo Retirement Simulator

Will your money last? Run 1,000 simulated retirement scenarios using randomized market returns to find your real probability of success.

Portfolio Value ($)

Annual Spending ($)

Withdrawal Rate 4.0%

Expected Annual Return 7.0%

Return Volatility (σ) 15%

Retirement Length (yrs) 30

Inflation Rate 2.5%

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Set your inputs above, then click Run Simulations.
Each run tests 1,000 random market sequences to stress-test your plan.

The Monte Carlo Simulator

The Monte Carlo Simulator is the most realistic retirement stress test in the suite. Instead of assuming a steady 7% return every year, it runs 1,000 randomly sequenced market scenarios using real volatility, so users can see not just the average outcome but the full range from best to worst. The result is a probability of success percentage that tells you honestly whether your withdrawal rate holds up when markets misbehave, and a comparison table across 3%, 4%, 5%, and 6% rates so users can instantly see how much margin they have to work with.