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Monte Carlo retirement calculator

Can you retire at 55 with $800,000?

See how this example holds up across 1,000 possible market futures. Adjust the numbers to explore your own retirement plan.

Try this example with your own retirement numbers.

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Example plan

An 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.

MONTE CARLO · 1,000 SCENARIOS

How often does your money last?

86.5%

of simulated futures succeed through age 90.

Amounts in today’s money.

Monte Carlo investment projection from age 55 to 90. Median final balance $1.2M. Poor-outcome final balance, 10th percentile, $0. Not a guaranteed minimum.$0$1.3M$2.6MRetire · 55Age 55Age 73Age 90At age 90Median ━$1.2MPoor outcomes (10th) ┄$0

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.

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