1,000 random market futures

What's the actual probability your retirement plan works?

We run your numbers through 1,000 random simulations of the next 30 years of market returns. Each simulation is a different possible future. The success rate is the percentage where you don't run out of money.

Pure Monte Carlo math, the same kind of simulation many planners use. Educational only.

We serve anyone working through Social Security and retirement income decisions, including those without a financial advisor. Free, educational, no products sold.

Step 1 · Your portfolio
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Run 1,000 retirements through your numbers

Same starting balance. Same withdrawal. Same average return. The market gets one random sequence per simulation. We tally the % of simulations where you survive.

Today's portfolio
$50,000 is 5% of $1M. The classic 4% rule would be $40,000.
Withdrawal grows by this % yearly
Plan-to age minus start age
Long-run expected (e.g. 60/40 ~7%)
% (S&P 500 ~15-18%; 60/40 ~10-12%)
Hans Goldstein

Hans Goldstein

Founder & Executive Director · Retirement Literacy Foundation, a 501(c)(3) non-profit

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