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Monte Carlo Retirement Simulator

Retirement planning isn't about one number — it's about the range of possible futures. This Monte Carlo simulator runs 500 random market scenarios simultaneously. Watch the fan of outcomes widen with uncertainty. See how changing your savings rate narrows the odds.

Last Updated: February 2026

Key Numbers

Simulated Futures

500

Stock Return Assumption

10.5% avg

4% Rule Success

~95%

Bond Return Assumption

5.0% avg

Full-screen interactive experience · Press Esc to exit

This content is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for guidance tailored to your situation.