Retirement Planning with Monte Carlo Simulation

Run 1,000 market scenarios to see the full range of your retirement outcomes. Free to use.

Will your savings last?

Find out instantly

How it works: Enter your numbers, see your success rate. Higher % = more likely your money lasts through retirement.
Success91%
Your current age in years. This determines how many years you have to save for retirement.
The age when you plan to retire and stop working.
How long you expect to live. This determines how many years your retirement savings need to last.
Success91%
The total amount you have already saved for retirement.
How much you plan to save each month until retirement.
Withdraw this percentage of your current portfolio balance each year. Income varies with market performance.

Income adjusts with your portfolio value each year.

Minimum annual withdrawal regardless of strategy calculation. Adjusts with inflation.

Bounds are inflation-adjusted over time.

See Chart & Scenarios
Excellent

91%

success rate

Your plan looks very solid!

In 91% of 1,000 simulated futures, your money lasts through retirement.

Avg Expected Yearly Income

$64,469

Portfolio Balance

Worst Case
Expected
Likely Range

Compare best to worst case scenarios

ScenarioBalanceIncome/yr
Worst
$57,888$13,978
Poor
$828,305$34,065
Expected
$1,943,596$64,469
Good
$3,908,586$117,209
Best
$7,197,338$201,260

Next Steps

Explore your results in detail or export for AI analysis

View Detailed Analysis

A Free FI Calculator That Shows Real Probabilities

Most retirement calculators give you a single number based on average returns. This financial independence calculator runs 1,000 market scenarios to show the full range of outcomes, so you can plan for uncertainty instead of ignoring it.

Used by the FIRE community. Free, no signup required.

Learn About the Methodology