Monte Carlo
Financial Planning Simulator
Client Profile
Current Age30 yrs
Retirement Age60 yrs
Plan End Age95 yrs
Portfolio & Contributions
Initial Portfolio$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 (SS, etc.)$24,000
Effective Tax Rate15%
Pre-tax income need$176,471
Portfolio withdrawal$152,471/yr
Simulation
Number of Runs300
Success Probability
230 of 300 scenarios survive
Median Ending
$10.8M
at age 95
10th Pct
$-4.2M
Bear case
90th Pct
$56.0M
Bull case
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 | $237K | $281K | $313K | $342K | $390K |
| 35 | $410K | $548K | $676K | $840K | $1.1M |
| 40 | $580K | $897K | $1.2M | $1.5M | $2.3M |
| 45 | $800K | $1.3M | $1.8M | $2.5M | $4.3M |
| 50 | $1.0M | $1.8M | $2.6M | $3.8M | $6.6M |
| 55 | $1.2M | $2.4M | $3.6M | $5.5M | $12.0M |
| 60 ★ | $1.2M | $2.8M | $4.8M | $7.3M | $16.4M |
| 65 | $669K | $2.6M | $5.4M | $9.1M | $20.8M |
| 70 | $-18K | $2.6M | $5.8M | $10.7M | $28.0M |
| 75 | $-909K | $2.4M | $6.6M | $12.5M | $32.2M |
| 80 | $-1.9M | $2.2M | $7.1M | $14.6M | $39.9M |
| 85 | $-3.2M | $1.9M | $8.3M | $18.0M | $53.4M |
| 90 | $-4.9M | $1.7M | $9.5M | $22.7M | $69.2M |
| 95 | $-6.9M | $977K | $10.8M | $28.8M | $88.8M |
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.