Retirement Planning Calculator
Enter your retirement planning information below to calculate your retirement projections.
Load Saved Scenario or Import Data
Monte Carlo Simulation
Run probabilistic simulations to understand the range of possible retirement outcomes. Monte Carlo analysis accounts for market volatility and uncertainty.
Running Monte Carlo simulation... This may take a moment.
Monte Carlo Results
Success Rate
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Probability of meeting goalsMedian Final Balance
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50th percentile outcomeSimulations Run
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Number of scenarios testedSuccess Rate
Balance Trajectories
Percentile Comparison
Sustainable Spending
All Simulation Paths
Pre-Retirement Returns vs Final Balance
Post-Retirement Returns vs Final Balance
Probability Distribution
Probability of Running Out by Age
Sequence of Returns Risk
First 5 years of retirement returns vs final balance
Retirement Balance vs Sustainability
Starting balance vs years money lasted
Success vs Failure Summary
| Outcome | Count | Percentage |
|---|---|---|
| Successful | -- | -- |
| Failed | -- | -- |
Average Returns by Outcome
| Outcome | Pre-Retirement | Post-Retirement |
|---|---|---|
| Successful | -- | -- |
| Failed | -- | -- |
Returns by Percentile
| Percentile | Pre-Retirement | Post-Retirement |
|---|---|---|
| 10th (Worst) | -- | -- |
| 25th | -- | -- |
| 50th (Median) | -- | -- |
| 75th | -- | -- |
| 90th (Best) | -- | -- |
Average Returns Comparison
Returns by Percentile
Final Balance Percentiles
| Percentile | Final Balance | Today's Dollars |
|---|---|---|
| 10th (Worst 10%) | -- | -- |
| 25th | -- | -- |
| 50th (Median) | -- | -- |
| 75th | -- | -- |
| 90th (Best 10%) | -- | -- |
Retirement Balance Percentiles
| Percentile | Balance at Retirement | Today's Dollars |
|---|---|---|
| 10th | -- | -- |
| 50th (Median) | -- | -- |
| 90th | -- | -- |
Sustainable Spending Levels
| Confidence Level | Annual Spending | Today's Dollars |
|---|---|---|
| Planned (--% Confidence) | -- | -- |
| 80% Confidence | -- | -- |
| 90% Confidence | -- | -- |
| 95% Confidence | -- | -- |
Scenario Comparison
| Scenario | Final Balance | Today's Dollars |
|---|---|---|
| Worst Case | -- | -- |
| Median Case | -- | -- |
| Best Case | -- | -- |
Recommendations
No recommendations available
Export Monte Carlo Results to Excel
Export your Monte Carlo simulation results to Excel for further analysis, sharing, or documentation.
Summary Export
Comprehensive analysis with 10 tabs including:
- All input parameters
- Success rate and percentiles
- Sustainable spending levels
- Scenario comparisons
- Success/failure analysis
- Balance trajectories
- Probability of ruin
- 5-year period outcomes
- Failure analysis
- Key percentile paths
File size: ~80-150 KB
Best for: Most users, quick sharing, presentations
Full Export with Individual Simulations
Everything in Summary Export PLUS:
- Complete results for all 1000 simulations
- Success/failure for each simulation
- Final and retirement balances
- Shortfall years and years sustained
- Average returns (pre and post-retirement)
- Year-by-year returns for every year of retirement
- Maximum granularity for detailed analysis
File size: ~250-300 KB (1000 simulations)
Best for: Advanced analysis, custom calculations, research
Export Information
- Excel files are compatible with Microsoft Excel, Google Sheets, and LibreOffice
- All data is formatted and ready for analysis
- Files can be easily shared with financial advisors
- Export includes all parameters used in the simulation
- Individual simulations tab enables advanced statistical analysis
Calculating your retirement plan...