Retirement Simulator
Retirement Simulator
Simulate your retirement using Monte Carlo analysis
Privacy Guaranteed: All calculations run entirely in your browser. No financial data is ever sent to any server.
How This Works
How the Solver Works
This calculator searches for the earliest retirement age that still leaves you with a healthy portfolio in at least 90% of 10,000 simulated retirements — not just the average case, but a conservative (10th-percentile) one.
How to Read the Results
The headline number is the earliest age the solver found. Below it, the chart shows your projected portfolio value across all simulated outcomes, and the Market Returns Distribution shows the actual spread of yearly returns and inflation used to get there.
Core Settings
Simulation Timeline:
Simulation will run from age 40 to 85 (45 years)
Drawdown period: Ages ? to 85
Monte Carlo Simulation Results
Privacy & Security: This retirement simulator uses Web Workers to perform all calculations locally in your browser. Your financial data never leaves your device and is not stored anywhere. The simulation runs entirely client-side with no server communication for calculations.