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
766 of 1000 scenarios survive
Median Ending
$11.5M
at age 95
10th Pct
$-5.1M
Downside
90th Pct
$66.0M
Upside
Portfolio @ Retire
$4.8M
age 60 median
Annual Withdrawal
$152,471
3.2% 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 | $240K | $280K | $309K | $340K | $385K |
| 35 | $393K | $532K | $657K | $804K | $1.1M |
| 40 | $571K | $891K | $1.1M | $1.5M | $2.3M |
| 45 | $797K | $1.3M | $1.8M | $2.5M | $4.3M |
| 50 | $979K | $1.8M | $2.7M | $4.1M | $7.8M |
| 55 | $1.2M | $2.2M | $3.7M | $6.1M | $12.7M |
| 60 ★ | $1.2M | $2.8M | $4.8M | $8.5M | $18.6M |
| 65 | $661K | $2.6M | $5.3M | $10.0M | $23.3M |
| 70 | $22K | $2.4M | $5.7M | $12.0M | $29.7M |
| 75 | $-760K | $2.2M | $6.3M | $14.0M | $37.7M |
| 80 | $-1.9M | $2.0M | $7.2M | $16.8M | $48.6M |
| 85 | $-3.2M | $1.7M | $8.4M | $20.9M | $61.4M |
| 90 | $-4.9M | $1.2M | $9.7M | $25.3M | $75.0M |
| 95 | $-7.1M | $747K | $11.5M | $32.2M | $96.6M |
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.