Start for free. Upgrade when you need the advanced engine. No hidden fees.
All prices in USD. 30-day money-back guarantee on Pro.
Everything included in each plan, side by side.
| Feature | Free | Pro |
|---|---|---|
| Engine | ||
| Iterations per run | 1,000 | 50,000 |
| Return distribution | Normal (Gaussian) | Student's t + skewness |
| Correlated asset returns (Cholesky) | ||
| Black swan events | ||
| Spending Strategies | ||
| Fixed amount (with optional inflation adjustment) | ||
| Guyton-Klinger guardrails (cut/boost %) | ||
| Percentage of portfolio (annual rate) | ||
| Floor & ceiling (rate + bounds) | ||
| Analytics | ||
| Projection chart | ||
| Success probability | ||
| Side-by-side simulation comparison | ||
| Probability of depletion per age | ||
| Income vs Expenses on retirement | ||
| Impact on success Fat-tail vs. Gaussian | ||
| Impact on success Black Swan events | ||
| Historical stress test (1928-2025) | ||
| Storage & Export | ||
| Save simulations | Up to 2 | Up to 5 |
| PDF report export | ||
| Support | ||
| Email support | ||
| Priority support | ||
Everything you need to know about pricing and features.
Free gives you the full Monte Carlo engine with 1,000 iterations and a fixed-amount spending strategy. Pro unlocks fat-tail distributions (Student's t with skewness), 50,000 iterations, and 4 spending strategies including Guyton-Klinger guardrails.
Yearly is $29/year, billed annually. You can cancel anytime and keep access until the end of the billing period. Lifetime is a one-time payment of $79 - you get Pro forever with no recurring charges.
Standard Monte Carlo uses a Gaussian (bell curve) distribution that underestimates extreme outcomes. We use Student's t-distribution with configurable degrees of freedom and Fernandez-Steel skewness. This means the model assigns a realistic probability to crashes like 2008 (-37%) or 2000-2002 (-49%) - events that are vanishingly rare under Gaussian assumptions.
Retirement Lab offers 4 strategies. Free: Fixed Amount (set a fixed monthly withdrawal with an optional inflation adjustment toggle). Pro unlocks: Guyton-Klinger (dynamic guardrails that cut or boost withdrawals based on portfolio performance), Percentage of Portfolio (withdraw a fixed annual % of your current balance), and Floor & Ceiling (percentage-based with monthly minimum and maximum bounds, with optional inflation adjustment). Each strategy models a different real-world retirement approach.
Monte Carlo simulations are the gold standard for modeling uncertainty in retirement planning. Accuracy depends on your input assumptions (expected returns, volatility, correlations). Our engine uses peer-reviewed statistical methods and provides percentile-based confidence intervals rather than single-point predictions.
Your simulations are never deleted. If you downgrade from Pro to Free, your simulations remain in read-only mode. You can choose which 2 to keep active. You can re-upgrade at any time to restore full access.
We offer a 30-day money-back guarantee instead of a trial. Subscribe to Pro, run all the simulations you want, and if you're not satisfied for any reason, contact us within 30 days for a full refund - no questions asked.
Yes. Cancel your yearly subscription at any time from your account settings. You keep Pro access until the end of the billing period. No cancellation fees, no lock-in. Lifetime purchases are non-recurring and do not need cancellation.