Start for free. Upgrade when you need the institutional-grade engine. No hidden fees. No feature unlocks after payment.
Locked in for life
All prices in USD. Billed yearly. Cancel anytime. 30-day money-back guarantee on Pro.
Everything included in each plan, side by side.
| Feature | Free | Pro |
|---|---|---|
| Engine | ||
| Iterations per run | 10,000 | 50,000 |
| Return distribution | Normal (Gaussian) | Student's t + skewness |
| Black swan events | ||
| Correlated asset returns (Cholesky) | ||
| Spending Rules | ||
| Constant withdrawal (4% rule) | ||
| Inflation-adjusted withdrawals | ||
| Guyton-Klinger guardrails | ||
| Configurable cut/boost thresholds | ||
| Analytics | ||
| Portfolio projection chart | ||
| Success probability | ||
| Confidence intervals (P5/P25/P75/P95) | ||
| Sequence of return risk heatmap | ||
| Fat-tail vs. Gaussian comparison | ||
| Storage & Export | ||
| Save simulations | Up to 3 | Unlimited |
| Simulation history | ||
| PDF report export | ||
| Support | ||
| Email support | ||
| Priority support | ||
| Early access to new features | ||
Everything you need to know about pricing and features.
Early bird Pro is locked at $25/month for life — as long as you keep your subscription active. This price is available for the first 1,000 subscribers. After that, new subscribers pay $50/month. Your rate never changes once you lock it in.
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.
Guyton-Klinger is a dynamic spending strategy that adjusts your withdrawal amount based on portfolio performance. If your portfolio drops below a threshold (the "lower guardrail"), withdrawals are cut by a configurable percentage. If it rises above an upper threshold, you can boost spending. This strategy significantly extends portfolio longevity during bear markets versus a fixed-percentage rule.
Your simulations are never deleted. If you downgrade from Pro to Free, your simulations remain in read-only mode. You can choose which 3 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 Pro 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 beyond the current billing cycle.