Personal Retirement Planning Tool
Project growth.
Stress-test sustainability.
Get a clear snapshot of where you are, forecast your nest egg, and run a rigorous risk assessment so you can retire with confidence.
1
Build Your Nest Egg
Current snapshot + growth projection
$50,000
$1,500
15 years
10.0%
Total Contributed
$320k
Total Growth
$928k
Ending Portfolio
$1.25M
2
Test Your Retirement Plan
Risk assessment & sustainability simulation
$1,250,000
$50,000
4.0% of portfolio
Other Retirement Income (reduces portfolio draw)
Net portfolio withdrawal will be reduced by these amounts.
Retirement Sustainability Analysis
Monte Carlo • 1000 runs
Success Rate
87
percent
Median Ending
$1.84M
10th %ile
$312k
90th %ile
$4.12M
Monte Carlo runs 1,000 random market sequences using your expected mean return + volatility to model sequence-of-returns risk (like FIREcalc historical testing).
Deterministic uses a fixed return each year for a single, smooth projection path (no randomness).
Volatility % is the expected year-to-year fluctuation (standard deviation) of portfolio returns. Higher volatility (e.g. 15–20%) creates wider outcome ranges and more uncertainty; lower volatility produces more stable paths. The default of 15% approximates a typical diversified stock portfolio.