Built on Real Financial Mathematics
Every model is grounded in peer-reviewed stochastic finance. Set your timeline, configure your portfolio allocation, and run thousands of scenarios in seconds.
Go Beyond Simple Averages
Heavy tails, correlated assets, dynamic spending rules, and discrete crash events - the tools serious planners need.
Auto-calculated deltas that show exactly how much heavy tails, guardrails, and black swan events shift your success rate - so you know what each feature is worth.
Model sudden market shocks - 2000, 2008, 2020 - as discrete jump events layered on top of normal volatility. Know your floor.
Deep diveFixed withdrawals with optional inflation adjustment, Guyton-Klinger guardrails, percentage-of-portfolio, and floor & ceiling - choose the strategy that fits your retirement style.
Deep diveDrag a window across 97 years of real S&P 500 and Treasury returns (1928-2025). Would your plan survive the Great Depression, Oil Crisis, or 2008?
Deep diveCholesky decomposition models stocks, bonds, and alternative assets as a correlated system - not as three independent coin flips.
Deep diveModel your exact equity / bond / alternative asset split with per-asset return assumptions, volatility, and drift - aligned to your real allocation.
Deep dive
Normal Distributions Lie About Retirement Risk
The standard Monte Carlo assumption - that returns follow a bell curve - dramatically underestimates the probability of catastrophic loss. Configure every parameter to model real-world risk.
Test Your Plan Against 97 Years of Real Returns
Monte Carlo simulations generate random scenarios. But what about the actual worst periods in market history? Drag a window across every year from 1928 to 2025 and see exactly how your plan would have performed.
Compare Scenarios Side by Side
Changed your retirement age? Adjusted your allocation? Select any two saved simulations and instantly see how the outcomes differ - so you can make decisions based on data, not guesswork.
Legal Disclaimer: Retirement Lab is a Self-Hosted Data Analytics Software-as-a-Service (SaaS). It provides stochastic projections for informational purposes only. Results do not constitute financial, tax, or investment advice. It does not facilitate the purchase, sale, or custody of any financial instruments or digital assets.