Retirement Planning

Required Inputs

Current Age

Retirement Age

Monthly Contribution

Desired Monthly Income

Return Rate (Pre-Retirement %)

Optional Inputs

Current Savings

Life Expectancy

Return Rate (Post-Retirement %)

Tax Calculation Method

Tax Rate (%)

Filing Status

State

Withdrawal Strategy How you plan to withdraw funds in retirement

Withdrawal Period (years) Number of years to withdraw funds

📊 Monte Carlo Analysis

Enable probabilistic retirement modeling Model market volatility and longevity risk (10,000 scenarios)

Retirement Analysis

Balance at Retirement

Monthly Income Available

Income Surplus/Deficit

Years Until Retirement

Total Contributions

Total Interest Earned

🎲 Retirement Success Probability Based on 10,000 Monte Carlo Simulations

Monte Carlo Retirement Analysis: Simulates 10,000 different market scenarios accounting for volatility during both accumulation and withdrawal phases. Shows probability your money will last through retirement and identifies sequence of returns risk.

Retirement Success Probability

Chance your money lasts until age 90 (0 of 10,000 scenarios)

💰 Final Balance at Life Expectancy

Worst 10% of Scenarios

10th percentile

Median Outcome

50th percentile

Best 10% of Scenarios

90th percentile

📈 Retirement Trajectory (Probability Cone)

Shaded area shows range where 80% of scenarios fall. Vertical line marks retirement age.

💰 Inflation Impact on Your Retirement

Retirement Balance (Nominal)

Future dollars

Retirement Balance (Real)

Today's dollars

Monthly Income Needed (Nominal)

Adjusted for inflation

Purchasing Power Lost

Impact over 0 years

⚠️ Critical Retirement Planning Note:

In 0 years, you'll need $0/month to have the same purchasing power as $0/month today. This is why it's essential to invest in assets that outpace inflation!

Retirement Calculator