A single retirement projection is a fairy tale — markets are random. See the realistic band of outcomes, from unlucky to fortunate.
Retirement Monte CarloLive
range of outcomes, not one line
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Markets are uncertain, so a single projection lies. This shows a band of outcomes: even with the same average return, higher volatility widens the gap between a great result and a disappointing one. Educational tool, not financial advice.
Reading this result: The 10th–90th band spans about 863.6× — even at a steady 6% average, uncertainty compounds over 30 years into a wide range of endings.
Runs locally in your browser — free forever. Scale to the cloud when reality gets heavy.
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How it works
Because returns vary year to year, a portfolio's future is a distribution, not a line. This shows the median path with a 10th-to-90th-percentile band; higher volatility widens the spread even when the average return is unchanged, which is why sequence-of-returns risk matters. Educational tool, not financial advice.
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The math, the assumptions, real-world uses, or a code translation — explained for this exact simulation.
Is this retirement monte carlo simulator tool really free?▾
Yes. Retirement Monte Carlo runs entirely in your browser using your device's own compute, so local use is free forever. You only pay Compute Tokens if you scale a job to the cloud.
Do I need to install anything?▾
No. Everything runs client-side in a modern browser — no downloads, no license, no account required to start.
Can I save or share my simulation?▾
Create a free account to save projects, and use a shareable embed or minted DOI to publish a live, interactive version anywhere.
How accurate are the results?▾
The solver uses established numerical methods, but results are for research and educational purposes and should be validated against experiment or professional review before you rely on them.