Monte Carlo Retirement Calculator

Explore how market uncertainty may affect the durability of your retirement plan.

Household

Add spouse

Your current age Your retirement age Planning through age

Investments

Current qualified investments$ Current non-qualified investments$ Non-qualified investment cost basis$ Growth rate before retirement% Growth rate after retirement%

Annual income

Add salary, Social Security, pensions, or other recurring income.

Spending and assumptions

Annual expenses before retirement$ Annual expenses after retirement$ Annual inflation% State income tax rate%

Federal tax calculation2026 Single brackets

Retirement planning analysis

Monte Carlo Retirement Report

Scenario summary

Plan success probability0%through the planning horizon

Median ending investments$050th percentile

10th-percentile ending investments$0Conservative outcome

Household retirement beginsIn 0 years

1,000 simulated investment paths

Every trial is shown. Highlighted lines represent key percentiles.

10th25thMedian75th90th

The investment chart uses a logarithmic scale so both lower and higher outcomes remain visible.

Probability of success at each age

The share of simulations that have avoided a spending shortfall through each age.

Key ages

Success probability and investment ranges at selected points in the plan.

Age	Success probability	10th percentile	Median	90th percentile

Model assumptions

This calculator provides hypothetical illustrations, not guarantees or individualized investment, tax, or legal advice.

Monte Carlo Simulator