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Free tool · Retirement odds
Will my money last?
Markets don't return the same amount every year. This simulator runs thousands of random market scenarios to estimate how likely it is your money lasts through retirement. All amounts are in today's dollars.
Chance money lasts
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Chance your money lasts to the end of your plan, across thousands of simulated markets.
Median at retirement
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Median at end
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Bad case (10th pct.)
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The shaded band shows the 10th to 90th percentile of outcomes, and the line shows the median. Returns are drawn at random from a normal distribution each year. Rule of thumb: many planners aim for a success rate of 80–90% or higher.
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Educational estimate, not financial advice. Results depend on the assumptions you enter.