Monte Carlo Withdrawal Simulator

How Monte Carlo Simulation Works

Unlike a simple projection that assumes the same return every year, Monte Carlo simulation runs your retirement plan through thousands of randomized market scenarios. Each simulation draws random annual returns based on your expected return and volatility.

The success rate tells you what percentage of scenarios ended with money left. A 90%+ success rate is generally considered safe. The median, 10th, and 90th percentile balances show the range of possible outcomes — from worst case to best case.