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The Monte Carlo Retirement Simulation is designed to help you understand the range of possible outcomes for your retirement savings rather than relying on a single forecast. Instead of assuming one fixed investment return, this calculator runs thousands of simulated market scenarios to show how your retirement portfolio could evolve over time under varying market conditions.
Instead of assuming one fixed investment return, a Monte Carlo simulation runs thousands of randomized market scenarios to show the range of possible outcomes for your retirement savings, rather than a single forecast.
The Retirement Calculator projects a single path based on your assumptions, while this tool runs thousands of simulated scenarios with varying market conditions to show how likely different outcomes are — useful for understanding a range rather than one number.
Markets don't move in a straight line, so a single average-return assumption can hide how much your outcome could vary. Simulating thousands of paths shows how your retirement portfolio might perform in both favorable and unfavorable market conditions, not just the average case.
You can see how sensitive your retirement plan is to market variability — whether a wide range of outcomes cluster around a comfortable retirement or whether unfavorable scenarios put your plan at risk, context a single forecast can't provide.
The Retirement Calculator gives a detailed single-path projection with more inputs, the Social Security Calculator estimates a specific income source, and Pension Intelligence lets you research public pension plan funding if that's part of your retirement picture.
