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
770 of 1000 scenarios survive
Median Ending
$12.8M
at age 95
10th Pct
$-4.8M
Downside
90th Pct
$60.5M
Upside
Portfolio @ Retire
$5.1M
age 60 median
Annual Withdrawal
$152,471
3.0% 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 | $234K | $278K | $313K | $340K | $383K |
| 35 | $382K | $529K | $667K | $841K | $1.1M |
| 40 | $584K | $855K | $1.1M | $1.5M | $2.2M |
| 45 | $765K | $1.3M | $1.8M | $2.6M | $4.3M |
| 50 | $986K | $1.7M | $2.6M | $4.2M | $8.0M |
| 55 | $1.1M | $2.2M | $3.8M | $6.1M | $12.9M |
| 60 ★ | $1.2M | $2.8M | $5.1M | $8.6M | $21.6M |
| 65 | $665K | $2.6M | $5.5M | $10.3M | $25.7M |
| 70 | $-31K | $2.5M | $6.1M | $12.1M | $32.2M |
| 75 | $-901K | $2.3M | $7.0M | $14.4M | $40.1M |
| 80 | $-2.0M | $2.0M | $8.1M | $17.3M | $48.7M |
| 85 | $-3.3M | $1.7M | $9.3M | $20.5M | $63.1M |
| 90 | $-5.0M | $1.5M | $10.6M | $25.7M | $82.6M |
| 95 | $-7.4M | $1.0M | $12.8M | $32.6M | $100.8M |
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.