Free Retirement Calculator

Retirement Calculator
With 1,000,000 Scenarios

Stop guessing. Find out exactly if you'll run out of money in retirement — based on real market history, not optimistic averages.

⚡ Calculate My Retirement Free How It Works →
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1,000,000
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What You Get

The Most Accurate Free Retirement Calculator Available

Most retirement calculators assume a fixed 7% return every year. That is dangerously misleading. Real markets crash. Inflation spikes. Sequence of returns can devastate even well-funded retirements.

MonteCarloSimulation.ai uses Monte Carlo simulation — the same methodology used by hedge funds, pension managers, and institutional investors — to run up to 1,000,000 different retirement scenarios. Each scenario draws random market returns, inflation rates, and life events, giving you the full probability distribution of your retirement outcomes.

The result: not a single misleading number, but the exact probability your retirement succeeds or fails — across every possible market environment.

Key Results

What This Retirement Calculator Shows You

🎯 Failure Probability

The % of simulated futures where your money runs out before you do. Under 10% is safe.

💰 Median Retirement Wealth

Your 50th percentile outcome — what you'll have in half of all possible futures.

📅 Years to Retirement

How many years until your portfolio can sustain your lifestyle without income.

📊 Safe Withdrawal Rate

The maximum % you can withdraw annually without running out of money.

How It Works

3 Steps to Your Retirement Probability

1️⃣

Enter Your Details

Age, savings, salary, monthly expenses, country, and investment strategy. Takes 60 seconds.

2️⃣

Run the Simulation

Up to 1,000,000 parallel retirement scenarios computed instantly in your browser. No data leaves your device.

3️⃣

Get Your Probability

See your exact retirement success rate, failure risk, wealth trajectory, and personalised recommendations.

Retirement Calculator FAQ

The rule of thumb is 25 times your annual expenses — your "FIRE number." If you spend $50,000/year, you need $1,250,000. But the exact amount depends on your retirement age, investment strategy, country, and risk tolerance. Our Monte Carlo calculator gives you a personalised probability-weighted answer across 1,000,000 scenarios.
This is what Monte Carlo simulation answers directly. It calculates your "failure probability" — the % of simulated futures where your money runs out before you do. Under 10% is generally safe. 10–20% is manageable. Above 30% requires action.
The 4% rule says you can withdraw 4% of your retirement portfolio per year, adjusted for inflation, and the money should last 30 years. It comes from the Trinity Study. For early retirees with 40–50 year horizons, 3% to 3.5% is safer. Our calculator stress-tests your specific rate.
Yes, completely free. No signup, no paywall, no premium tier. Run unlimited simulations at up to 1,000,000 iterations. All computation runs in your browser — zero data is ever sent to any server.
Yes. The simulator supports US (401k/IRA), UK (ISA/SIPP), Australia (Superannuation), Canada (RRSP/TFSA), Germany, Singapore (CPF), UAE (0% tax), Japan (iDeCo), Israel, and the EU — each with locally calibrated tax rates, inflation, and market returns.

Calculate Your Retirement Probability Free

Join thousands of people who have used Monte Carlo simulation to take control of their financial future. No signup. Results in 30 seconds.

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