Monte Carlo Retirement Model
Simulate thousands of market scenarios to estimate your probability of a successful retirement. Uses historical return distributions for stocks and bonds.
Overview
What is a Monte Carlo Retirement?
A Monte Carlo Retirement model runs thousands of market simulations to stress-test your retirement plan. Instead of assuming a fixed annual return, it models the randomness of real markets — bull runs, crashes, and everything in between — to calculate the probability your savings will last through retirement.
Financial planners use Monte Carlo simulation to show clients the probability of retirement success under different market conditions. Sophisticated individual investors use it to make better withdrawal and allocation decisions.
Features
What you get with this model
10,000 market simulations with visual distribution
Stock, bond, and cash allocation modeling
Inflation adjustment across scenarios
Success rate calculation (% of scenarios where money lasts)
Percentile-based outcome analysis
Use cases
How to use this model
Retirement stress test: will my savings survive a market crash?
Allocation optimization: how does 60/40 compare to 80/20?
Withdrawal planning: what's a safe withdrawal rate?
Related models
You might also like
Ready to build your Monte Carlo Retirement?
Pick any public company, auto-fill live data, and get results in seconds. Free forever — no credit card required.