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Retirement
Monte Carlo Retirement Simulator Calculator
Run thousands of retirement simulations against historical or parametric returns to stress-test spending and income.
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How to use
- Set your timeline, portfolio, and target spending in today's dollars.
- Add Social Security, pension, and other income sources you expect.
- Pick a return model (historical bootstrap or parametric), seed, and confidence level.
- Review success probability, ending-balance percentiles, ruin-by-age, and the safe first-year spending suggestion.
Assumptions & disclaimer
These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.
- Historical returns: annual US stock (S&P 500 incl. dividends) and 10-year US Treasury data.
- Parametric returns: stocks and bonds are correlated normals at the specified mean and volatility.
- Spending happens at the start of each year; portfolio is rebalanced to target.
- Simple effective tax rate applies to portfolio withdrawals only; other income is treated as already net.