Please fix the following:
Section
Your Age
yrs
Life Expectancy
yrs
Retirement Age
yrs
Spouse Age
yrs
Spouse Life Expectancy
yrs
Spouse Retirement Age
Retires with you
Inflation
Liquid Investments
Here you'll predict your returns by asset class. Later, you'll specify the asset allocation for your accounts. The calculator will derive random returns using these values, weighted by your asset allocation, and using Cholesky Decomposition to provide correlation.
ROI (%)
Standard Deviation (%)
US Stocks
US Bonds
International Stocks
Real Estate Investments
State-level historical appreciation of residential real estate is based on the FHFA House Price Index from 1991 to 2022.
Customize ROI For Specific Years
For your liquid assets, you can set specific, non-randomized rates of return for specific years
to occur with a specified probability. This can be useful for modeling sequence-of-returns risk
or future market crashes. For example, you might want to set a -20% return with a 50% probability
in the first retirement year, to simulate a 50% chance of a bad sequence of returns.
Collapsed items will appear here.
I hope you are finding this tool useful! If you have questions or would like to make sure you're getting the best results, please reach out. And if you love this tool, please consider donating.
Your retirement odds are:
Feel free to change your inputs and try again. You can also download a sample .csv file from a single run:
Note: Do not refresh the web page without saving or you will lose your data.
Now here's some bling...
Net Worth
Retirement Spending
Tax Detail
ROI Randomization
To simulate the market, this tool uses average and standard deviation values to randomize ROI over 1000 trials.
You can visualize a sample run of this below.
Note: This particular randomization was not used in your calculation.
Note: This particular randomization was not used in your calculation.
Actual realized average over years: .