Monte Carlo Retirement Simulator

Analyze portfolio sustainability using historical data (1928-2024) and Monte Carlo simulation to understand sequence of returns risk in retirement.

Initial Portfolio Value ($)

Annual Withdrawal ($)

Time Horizon (Years)

S&P 500: 60%

Small Cap: 10%

10Y T-Bond: 20%

3M T-Bill: 5%

Baa Corp Bond: 0%

Real Estate: 5%

Gold: 0%

Total Allocation: 100%

Number of Simulations

Inflation Adjustment

Fixed Inflation Rate (%)

Historical Success Rate

Monte Carlo Success Rate

Median Final Value

Total Scenarios

Withdrawals cease when portfolio reaches zero

Shows inflation-adjusted withdrawal amounts