Monte Carlo
Financial Planning Simulator
Client Profile
Current Age30 yrs
Retirement Age60 yrs
Plan End Age95 yrs
Portfolio & Contributions
Current Portfolio Value$250K
Annual Contribution$41,000
Stop Contributing At50 yrs
Market Assumptions
Expected Return (Accum.)11.0%
Volatility (Accum.)18.0%
Expected Return (Retire)8.0%
Volatility (Retire)6.0%
Inflation3.0%
Retirement Income
After-Tax Income Need$150,000
Other Income (Social Security, etc.)$24,000
Effective Tax Rate15%
Pre-tax income need$176,471
Portfolio withdrawal$152,471/yr
Success Probability
774 of 1000 scenarios survive
Median Ending
$10.8M
at age 95
10th Pct
$-4.5M
Downside
90th Pct
$56.1M
Upside
Portfolio @ Retire
$4.8M
age 60 median
Annual Withdrawal
$152,471
3.2% withdrawal rate
Real Return
8.0%
After inflation (accum)
Portfolio Projection
Median 25-75th 5-95th
Portfolio by Age (Percentiles)
| Age | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| 30 | $239K | $279K | $312K | $342K | $383K |
| 35 | $379K | $532K | $665K | $819K | $1.1M |
| 40 | $584K | $875K | $1.2M | $1.5M | $2.3M |
| 45 | $807K | $1.3M | $1.8M | $2.6M | $4.2M |
| 50 | $1.1M | $1.8M | $2.6M | $4.0M | $7.1M |
| 55 | $1.2M | $2.3M | $3.6M | $5.8M | $11.3M |
| 60 ★ | $1.3M | $2.8M | $4.8M | $8.3M | $17.1M |
| 65 | $712K | $2.6M | $5.1M | $9.8M | $20.0M |
| 70 | $63K | $2.4M | $5.7M | $11.4M | $24.7M |
| 75 | $-763K | $2.3M | $6.5M | $13.5M | $31.8M |
| 80 | $-1.8M | $2.0M | $7.1M | $16.4M | $39.5M |
| 85 | $-3.2M | $1.8M | $8.0M | $19.5M | $48.6M |
| 90 | $-4.7M | $1.3M | $9.1M | $23.3M | $62.3M |
| 95 | $-6.7M | $889K | $10.8M | $29.5M | $82.2M |
This simulator uses Monte Carlo analysis with normally distributed returns. This tool is for educational purposes only and does not constitute financial advice. Errors or omissions may occur. Any forward-looking statements involve risks and uncertainties that may cause actual results to differ materially. Past performance is not indicative of future results. Do your own research and consult a qualified, licensed adviser who understands your circumstances before acting on this content.