When can I retire? Will my retirement investment portfolio outlast me? Is my retirement nest egg (or projected nest egg) enough to retire? How much money will I leave to my heirs? How much invested money do I need to reach financial independence & retire early (FIRE)? No-one can ever know for sure, but if you model the future based on the past you can calculate what is LIKELY to happen in retirement.
There are many retirement calculators where you select a reasonable rate of inflation & return, but no retirement portfolio is likely to generate a static rate over time. Stock market volatility is the killer! Suffering through a drop in the stock or bond market at the wrong time can make a tremendous difference in your overall outcome. Only after you simulate the past can you confidently plan for the future. The Retirement Investing Calculator Simulator is UNIQUE in this stock market calculation.
The Retirement Investing Calculator Simulator uses actual stock market & inflation data from every month in 1871 to 2020. It takes the actual United States stock market return (S&P 500), U.S. bond market return (GS10), & inflation numbers from each month to simulate thousands of historically-accurate retirement scenarios.
Simply enter your retirement portfolio amount, annual spending & years in retirement; the Retirement Investing Calculator Simulator will calculate your personalized results, running up to several million calculations in the simulator to determine how you would’ve fared (and are likely to succeed in the future). Further personalize your Retirement Investing Calculator Simulator results by changing the stock / bond mix, fund fees, calculator term, annual amount saved & years until retirement via Advanced mode. You can also randomize (for simulator) all the months of history for an even wider range of retirement simulator scenarios.
The Retirement Investing Calculator Simulator lets you save or email your retirement simulator results; come back and try different retirement simulator choices!
The Retirement Investing Calculator Simulator is a Monte Carlo style simulator using historical stock & inflation numbers to determine likelihood of success vs failure. (Monte Carlo simulation uses models to predict probability of different outcomes.) Customize your own retirement calculation per your preferences. The Retirement Investing Calculator Simulator uses data from the S&P 500, the 10 Year Treasury Bond, & the Consumer Price Index (inflation). The Retirement Investing Calculator Simulator also uses their precursors for years before they existed.
Disclaimer: The information & calculations in this Retirement Investing Calculator Simulator are for educational purposes only, and do not constitute financial advice. Contact a licensed financial planner for specific retirement advice and for making retirement financial decisions. All data points included are correct to the best of our knowledge, but no warranty is made regarding the accuracy or applicability of this data or calculations. The owners / authors of this application (including Workman Consulting LLC) hereby disclaim all responsibility for any use / misuse of this application and the data provided by this application. The authors of this app do not give any warranty as to the accuracy, reliability or completeness of information; and do not accept any liability for any error or omission on this app or for any resulting loss or damage suffered by the recipient or any other person. By downloading and/or using the application, you agree to these terms. Past returns are not indicative of future performance. Even if a retirement investing financial strategy would’ve survived 100% of past simulation scenarios, it does not guarantee that it will do so in the future.