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Wondering if you're on track for retirement? A Monte Carlo Simulation tool takes some of the guesswork out of the equation. Instead of relying on one static number, it runs 1,000 different scenarios based on your portfolio, contributions, and investment timeline—giving you a full view of how your retirement plan could actually play out.
This spreadsheet gives you an interactive simulation of your retirement savings growth over time, using real market volatility assumptions. You’ll see:
Your average projected portfolio value at retirement
The best and worst-case scenarios
A probability of meeting your savings goal
Your failure rate—so you know what the risk really looks like
Visual charts to easily compare outcomes
Your current age
Your retirement portfolio value
Your investment allocation
Annual contributions and growth rate
Years until retirement
You can also manually adjust expected return and volatility if you want to test different assumptions.
A realistic snapshot of where your retirement savings could land
The range of outcomes based on market risk
An understanding of how asset allocation impacts your potential portfolio results
The data to back up your decisions, whether you're investing more aggressively or playing it safe
Retirement planning shouldn't be left to guesswork. This tool empowers you to understand your numbers, test your assumptions, and gain confidence in your retirement strategy—while there's still time to make informed adjustments.
Perfect for anyone who:
Wants to retire with confidence
Is unsure if they’re saving enough (or investing appropriately)
Loves seeing data laid out clearly and visually
Wants a smarter, DIY way to plan for the future
Wondering if you're on track for retirement? A Monte Carlo Simulation tool takes some of the guesswork out of the equation. Instead of relying on one static number, it runs 1,000 different scenarios based on your portfolio, contributions, and investment timeline—giving you a full view of how your retirement plan could actually play out.
This spreadsheet gives you an interactive simulation of your retirement savings growth over time, using real market volatility assumptions. You’ll see:
Your average projected portfolio value at retirement
The best and worst-case scenarios
A probability of meeting your savings goal
Your failure rate—so you know what the risk really looks like
Visual charts to easily compare outcomes
Your current age
Your retirement portfolio value
Your investment allocation
Annual contributions and growth rate
Years until retirement
You can also manually adjust expected return and volatility if you want to test different assumptions.
A realistic snapshot of where your retirement savings could land
The range of outcomes based on market risk
An understanding of how asset allocation impacts your potential portfolio results
The data to back up your decisions, whether you're investing more aggressively or playing it safe
Retirement planning shouldn't be left to guesswork. This tool empowers you to understand your numbers, test your assumptions, and gain confidence in your retirement strategy—while there's still time to make informed adjustments.
Perfect for anyone who:
Wants to retire with confidence
Is unsure if they’re saving enough (or investing appropriately)
Loves seeing data laid out clearly and visually
Wants a smarter, DIY way to plan for the future