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SINGH PWM

Monte Carlo Retirement Simulator

Probabilistic retirement outcomes across market environments—built to answer “What’s the range of outcomes?” and “What’s the chance I run out of money?”

Monte Carlo Retirement Simulator
Run thousands of simulations to stress-test retirement spending and income decisions across market environments.
1) Timeline
Ages and horizon.

If yes, retirement start age locks to current age.

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2) Portfolio
Allocation, fees, rebalancing.
Stocks60%
Bonds40%
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3) Cash flows
Spending and income.
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Reduces withdrawals after claim age.

Used when COLA is set to Override.

Optional income stream.

Rental / part-time work.

4) Taxes + engine
Simulation controls.

Used when tax mode is Simple.

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Optional “shock year” overlay (simple).

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Quick presets (use these, then save snapshots to compare):

Probability of success
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Median ending portfolio
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10th percentile ending
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90th percentile ending
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Safe first-year spending
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Ruin risk by horizon
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This looks worth addressing sooner.
Your results point to elevated planning risk. A short planning session can identify the fastest levers to pull.
  • Success probability: 0%
  • Ruin probability: 0.0%
  • A coordinated plan can reduce risk and improve efficiency.

Schedule a planning session to stress-test options and build a step-by-step action plan.

Schedule a Planning Session
Portfolio balance over time
Median with percentile bands.
Full results locked
Preview the KPIs above. Enter your info to unlock charts, tables, and downloads.
Distribution of ending balances
Histogram across all runs.
Probability of ruin by age
Chance the portfolio is depleted by each age.
Scenario comparison (saved snapshots)
Save up to 3 scenarios as you experiment; compare side-by-side.
No saved scenarios yet. Adjust inputs, then click “Save scenario”.
Year-by-year table (representative run)
Select a representative run by ending-balance percentile.
AgeStartGross wdTaxesNet spendSSPensionOtherReturnFeesEndNote

Disclosures
Educational only (hypothetical modeling).

This simulator is for educational purposes only and is not investment, tax, or legal advice.

Results are hypothetical. Future returns may differ materially from assumptions and historical patterns.

Success probability is model-dependent and sensitive to assumptions (inflation, fees, taxes, spending behavior, and sequence risk).

If you’d like a plan tailored to your household and tax situation, consider scheduling a consultation.