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
748 of 1000 scenarios survive
Median Ending
$10.4M
at age 95
10th Pct
$-5.2M
Downside
90th Pct
$59.3M
Upside
Portfolio @ Retire
$4.7M
age 60 median
Annual Withdrawal
$152,471
3.3% 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 | $238K | $279K | $308K | $342K | $387K |
| 35 | $370K | $523K | $662K | $833K | $1.1M |
| 40 | $581K | $862K | $1.1M | $1.5M | $2.2M |
| 45 | $766K | $1.2M | $1.8M | $2.5M | $3.9M |
| 50 | $957K | $1.7M | $2.6M | $4.1M | $7.1M |
| 55 | $1.1M | $2.2M | $3.6M | $5.9M | $11.5M |
| 60 ★ | $1.1M | $2.6M | $4.7M | $8.1M | $17.8M |
| 65 | $633K | $2.5M | $5.2M | $9.5M | $21.7M |
| 70 | $-55K | $2.2M | $5.6M | $11.3M | $27.5M |
| 75 | $-865K | $1.9M | $6.2M | $14.1M | $35.7M |
| 80 | $-2.0M | $1.6M | $6.9M | $16.6M | $42.7M |
| 85 | $-3.5M | $1.2M | $8.0M | $20.5M | $54.2M |
| 90 | $-5.5M | $597K | $9.1M | $25.9M | $71.4M |
| 95 | $-7.5M | $-73K | $10.4M | $31.8M | $86.6M |
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.