Democratizing sophisticated financial modeling for everyone.
Retirement planning is often locked behind expensive, gatekept software or high-commission advisors. Retirement Lab was founded to bridge this gap, providing a sophisticated, high-fidelity alternative that puts the power of institutional-grade statistical modeling directly into your hands—free of charge.
Our engine utilizes a stochastic modeling approach. By injecting 'random walks' into market returns based on historical standard deviations and asset correlations, we generate 100,000+ potential futures. This allows you to see not just one path, but the best-case, worst-case, and most likely scenarios for your nest egg.
Traditional linear calculators assume a fixed return (e.g., 7%) every single year. In reality, a market crash in your first few years of retirement is far more devastating than a crash at the end. Our simulations specifically highlight this 'Sequence of Returns Risk' by modeling thousands of different timing variations.
Our algorithms are built on established financial theories and decades of historical market data. While our specific simulation engine is proprietary to ensure a high-performance, secure experience, our methodology follows the same industry-standard statistical principles used by top-tier professional planners.
e believe your net worth is your private business. Retirement Lab separates simulation data from usage data. We do not maintain user databases of your financial inputs or sell your personal data. Your financial simulation remains private, secure, and ephemeral, distinct from general site traffic analysis.
Retirement Lab is an independent research project currently in an active development phase. We are focused on refining our simulation accuracy for global markets and various asset classes. For technical inquiries or feedback regarding our protocols, please reach out to us at contact@retirement-lab.com.