About
Outcome ranges, not single projections
The basis for this planner and its stated limits
Conventional retirement calculators apply a single average return and project one smooth balance trajectory to a fixed end age. That construction suppresses the year-to-year volatility that determines whether a plan survives.
This planner evaluates one plan across five steps (timeline, net worth, lifetime income, lifetime expenses, spend-down) and reports each result as a range of simulated futures, from adverse to favorable market sequences. The output is a feasibility verdict with the probability distribution behind it, and the inputs that shift it.
For the full methodology, the engine, the four withdrawal strategies, the solvers, and what the charts mean, see How It Works. To learn the ideas at your own pace, browse Resources.
Free, no accounts, no paywall. If it helped your planning, a coffee keeps it that way.
Buy me a coffeeThis is a simulation tool for informational and educational purposes only. It does not constitute financial advice. Results depend on the assumptions and inputs provided and do not guarantee future outcomes. Always consult a qualified financial advisor before making investment decisions.