Advanced Simulation
Multi-Asset Monte Carlo.
Simulate retirement across stocks and bonds.
Run SimulationFree. Runs 10,000 parametric trials in your browser.
Example
success rate
The calculator
Your numbers, your plan.
Why multi-asset Monte Carlo is different
A single return assumption hides the thing that usually matters most: how different asset classes move together. Stocks, bonds, and cash do not just have different averages. They have different volatility, different correlations, and different jobs in the portfolio.
What this simulation is for
Use it to compare portfolio mixes, retirement timing, and savings discipline under uncertainty. The point is not a single magical answer. The point is seeing the range of plausible outcomes before you commit to a plan.
Read the percentiles, not just the median
The p50 path is useful, but the p10 and p90 paths tell you whether the plan is fragile or resilient. That is the whole game with Monte Carlo. The spread matters as much as the middle.