Your Inputs

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Success92%

Current Age

Retirement Age

Life Expectancy

Success92%

Current Savings

Monthly Contributions

Spending method

Withdrawal Percent

Income adjusts with your portfolio value each year.

Minimum Annual Spending

Maximum Annual Spending

Bounds are inflation-adjusted over time.

Calculation engine updated. Market paths and cash-flow timing are now reproducible and more consistent. Your saved inputs are unchanged, but results may differ from an earlier visit.

Excellent

92%

success rate

Your plan looks very solid!

In 92% of 1,000 simulated futures, your money lasts through retirement.

Avg Expected Yearly Income

$78,248

Portfolio Balance

Worst Case (10th)Worst Case

Median OutcomeExpected

Likely Range (25th-75th)Likely Range

Live one of these futures

The bands above are 1,000 possible lives. Step through one of them year by year — markets crash, life happens, you decide.

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Compare best to worst case scenarios

Scenario	Balance at 90Balance	Avg Yearly IncomeIncome/yr
Worst CaseWorst	$217,089	$17,284
PessimisticPoor	$1,166,731	$41,752
ExpectedExpected	$2,507,727	$78,248
OptimisticGood	$4,639,966	$134,226
Best CaseBest	$8,534,068	$232,021

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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.

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