The only retirement simulator built for extreme market risk, black swan events, and dynamic spending rules - not just Gaussian averages.
Every model is grounded in peer-reviewed stochastic finance - not simplified spreadsheet math.
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.
Fixed withdrawals with optional inflation adjustment, Guyton-Klinger guardrails, percentage-of-portfolio, and floor & ceiling - choose the strategy that fits your retirement style.
Interactive SORR heatmap reveals exactly how retirement timing - the order of returns - affects your probability of success.
Cholesky decomposition models stocks, bonds, and alternative assets as a correlated system - not as three independent coin flips.
Model your exact equity / bond / alternative asset split with per-asset return assumptions, volatility, and drift - aligned to your real allocation.
The standard Monte Carlo assumption - that returns follow a bell curve - dramatically underestimates the probability of catastrophic loss. A 30-year plan needs to survive 1987, 2000, 2008, and 2020-style events.
50k-iteration Pro run · 30-year horizon
* Pro engine models heavier tails than Gaussian, widening the downside spread. Simulations are not financial advice.
From early retirees to certified financial planners
"The fat-tail analysis completely changed my withdrawal strategy. My previous plan looked solid under Gaussian assumptions - it wasn't."
"The spending strategy options are a game-changer - I use floor & ceiling for peace of mind, and the SORR heatmap is the most useful retirement viz I've seen."
"I stress-tested my portfolio against 2008-style black swans. Adjusting my bond allocation cost me almost nothing in median outcome - and bought enormous downside protection."
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.