A clearer answer to a big question
"Will my savings last?" is one of the most important questions people ask about money, and one of the hardest to answer. Retirement Lab exists to give a clear, honest answer - and to show how much it depends on what you assume.
Why we built it
Many retirement calculators take one average return, apply it every year and give you one number. Real markets don't work that way: returns jump around, and a bad few years right after you retire can do far more damage than the same bad years later on. A single average hides that.
Retirement Lab plays out your plan across a thousand or more possible market futures and tells you, in plain words, how often the money lasts, what a bad case looks like and when things tend to go wrong. It includes taxes and inflation, shows results in today's money, and lets you see what would change the answer.
What we care about
Show the range, not one number
Markets are uneven. A plan should be tested against many possible futures - good years and bad - not one average return.
Honest numbers
Every figure on this site comes from real market data or a documented run of our engine. When we are not sure, we say so.
Plain words
You should understand what the result means without a finance degree. The technical detail is there if you want it.
Your data stays yours
The simulation runs in your browser. Without an account, your plan stays there. We only store the plans you choose to save.
Who is behind it
Retirement Lab is built by a software engineer with a deep interest in finance and quantitative methods. What started as a personal project - trying to model retirement risk properly - grew into a full product.
We are based in Switzerland and operate independently. We do not manage money, sell financial products, or partner with brokers. The free plan is free to use; Pro is how the project pays for itself.
Curious how the numbers are made? See how it works, or get in touch.