The central question in retirement planning. Get the exact probability your portfolio survives 20, 30, 40, or 50 years — based on your withdrawal rate, investment mix, and 1,000,000 simulated market environments.
Running out of money in retirement is one of the most feared outcomes in personal finance. A 65-year-old today has a 50% chance of living past 85, and a 25% chance of reaching 92. A 45-year-old early retiree may live 50+ years in retirement.
A standard retirement calculator assuming a fixed 7% return will tell you you're fine. Monte Carlo simulation shows you the reality — the probability distribution of outcomes including the scenarios where you outlive your savings.
2008 GFC: -57%. 2000 dot-com: -49%. 1929 Depression: -89%. Each is modelled. Your survival probability accounts for retiring at the worst possible moment.
A crash in year 2 of retirement is catastrophically different from a crash in year 20. Monte Carlo simulation models all possible sequences.
1970s stagflation hit 12%+ inflation. Your portfolio survival is tested against inflationary environments that erode purchasing power.
Living to 95 or 100 is increasingly common. The survival probability to age 100 is calculated explicitly.
Enter your savings, withdrawal rate, and country. Find out the exact probability your money lasts 30, 40, or 50 years across 1,000,000 Monte Carlo scenarios.
⚡ Calculate Portfolio Survival