Retirement Simulator

This page runs a monte carlo simulation of your retirement based on your current income, age, current assets, asset allocations, expected returns and standard deviation of asset classes, expected income in retirement (social security, working, etc), and expected lifespan.

Personal Details

Current Age

Retirement Age

Expected Age at Death

Current Finances

Current Annual Non-Investment Income ($) Salary, business income, etc.

Current Annual Expenditures ($) Including taxes

Current Liquid Assets ($)

Retirement Income & Expenses (in today's dollars)

Expected Retirement Non-Investment Income ($/yr) Social Security, part-time work, pension, etc.

Expected Annual Retirement Expenditures ($) Including taxes

Asset Allocation & Returns

Fixed Income Allocation (0–1)

Equity Allocation (0–1)

Expected Fixed Income Return (annual)

Expected Equity Return (annual)

Fixed Income Return Std Dev

Equity Return Std Dev

Inflation

Expected Inflation Rate (annual)

Inflation Rate Std Dev

Special Annual Expenses (in today's dollars)

Special Annual Expense Amount ($/yr) E.g. college tuition, care costs. Leave 0 to disable.

Start Age of Special Expenses

End Age of Special Expenses

Results

Chance of Positive Net Worth at Age 90

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Median Net Worth at Age 90 (clamped at $0)

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Average Investment Income at Age 90 (clamped at $0)

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Average Inflation Index (end dollars per start dollar)

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