RetireSimulator

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RetireSimulator runs 10,000+ simulations to show you the range of outcomes you might face in retirement, not just the average case. Each simulation accounts for taxes, any post-retirement income you'll earn, and how different market conditions could unfold over decades. This approach catches the outliers, the bad-luck scenarios where stocks crash early, so you'll see what your plan looks like if you're unlucky.

The tool works well for people who've read about sequence-of-returns risk and want to stress-test their assumptions. Rather than betting everything on a single projection, you'll see probability bands showing which retirement ages and spending levels have acceptable odds of success. It's free, which removes the barrier to running as many scenarios as you want to feel confident in your number.

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