Retirement Simulator

Simulation Parameters

All fields include inline help tooltips. Required fields depend on the selected strategy options.

Personal Information

Current Age

Sex (for mortality table)

Target Retirement Age

Use a fixed planning horizon age

Current Portfolio

Stocks Value ($)

Bonds Value ($)

Market Assumptions

Presets use historical total returns, including reinvested dividends or interest, and update the corresponding values under Advanced Parameters. They are examples, not forecasts.

Stock Style

Stock styles: S&P 500, US Total Stock Market (VTI), and Global Equity (MSCI ACWI IMI).

Bond Style

Bond styles: US 10-Year Treasury, US Total Bond Market (BND), and Global Credit (Bloomberg Global Aggregate Credit Bond Index, USD hedged).

Allocation Strategy

Strategy

Stock Allocation (%)

Annual Rebalancing

Contributions (Pre-Retirement)

Contribution Type

Monthly Amount ($)

Retirement Income Goals

Configure one or more spending strategies. All enabled strategies will be simulated.

Percent-of-Portfolio Rule

Annual Withdrawal Rate (%)

Inflation-Adjusted Fixed Income

Annual Amount (today's $)

Amortization-Based Variable Spending

Each year the portfolio is amortised over the remaining horizon at the expected real return (PMT formula). Spending adjusts automatically with portfolio performance. VPW reference.

Expected Real Return (% p.a.)

Planning Horizon Age

Advanced Parameters

Market Parameters

Defaults are S&P 500 and US 10-yr Treasury arithmetic mean returns and standard deviations (1928–2024), plus US CPI arithmetic mean inflation. Source: Damodaran (Jan 2025).

Expected Stock Return (% p.a.)

Stock Volatility (% p.a.)

Expected Bond Return (% p.a.)

Bond Volatility (% p.a.)

Expected Inflation Rate (% p.a.)

Inflation Volatility (% p.a.)

Simulation Settings

Number of Simulations

Simulation Results

Dollar values shown in

Switching dollar modes preserves the same percentile paths and only changes the displayed basis.

Balance Sheet Detail

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