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
767 of 1000 scenarios survive
Median Ending
$12.4M
at age 95
10th Pct
$-5.0M
Downside
90th Pct
$62.9M
Upside
Portfolio @ Retire
$4.9M
age 60 median
Annual Withdrawal
$152,471
3.1% 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 | $241K | $283K | $311K | $342K | $386K |
| 35 | $395K | $536K | $657K | $825K | $1.1M |
| 40 | $562K | $862K | $1.1M | $1.5M | $2.3M |
| 45 | $812K | $1.4M | $1.9M | $2.6M | $4.3M |
| 50 | $1.1M | $1.8M | $2.8M | $4.2M | $7.5M |
| 55 | $1.1M | $2.3M | $3.9M | $6.2M | $12.3M |
| 60 ★ | $1.1M | $2.7M | $4.9M | $8.6M | $18.3M |
| 65 | $535K | $2.6M | $5.5M | $10.5M | $23.2M |
| 70 | $-155K | $2.5M | $6.1M | $12.5M | $29.4M |
| 75 | $-1.0M | $2.2M | $6.8M | $14.8M | $35.7M |
| 80 | $-2.1M | $1.9M | $7.9M | $18.1M | $46.4M |
| 85 | $-3.6M | $1.5M | $8.9M | $21.4M | $56.0M |
| 90 | $-5.3M | $1.1M | $10.5M | $26.5M | $70.6M |
| 95 | $-7.4M | $562K | $12.4M | $33.0M | $93.4M |
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.