Your numbers
Example planAn example to explore. Replace these numbers with yours.
Spending can be higher under your strategy.
Quick edits update your plan automatically.
Income, saving, life events & assumptions.
How often does your money last?
of simulated futures succeed through age 90.
Amounts in today’s money.
Shaded range: 10th–90th percentile
How this is calculated
1,000 simulated market futures.
The lower-end balance at each age (10th percentile). Outcomes can be worse. This is not a guaranteed minimum or one continuous simulated life.
Monte Carlo explores simulated market years, not a prediction. A successful run funds the modeled expenses and finishes with money remaining. Taxes and account access restrictions are not modeled.
Review the assumptions before relying on the result.
Play your retirement plan
An interactive game: live one possible future and make decisions along the way.
Use Classic layout · Same saved plan
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