Retirement Simulation

Will you run out of money or will you leave a legacy?

  • Simulation of life savings where yearly withdrawals are taken and they increase each year geometrically. The output shows the final (legacy) balance after a chosen number of years.
  • When the filled in values are changed, the table and graph will be redrawn after pressing "Calculate!"
  • The growth rate determines how much the yearly payments should be increased each year.
  • The number of simulations may be 10000+.
  • The successful frequency shows how often there is a positive balance at the end of the number of years.
  • The graph shows the distribution of simulated ending balances.
  • Yearly Payments are taken in proportion to the given allotments. This is equivalent to re-balancing each year.
  • Randomly chosen yearly returns for each asset class are normally distributed with means and standard deviations as shown.


# of years initial balance ($)
yearly payment ($) growth rate %
asset mean % st dev % weight %
stocks
bonds
real estate
cash 0.0%
# of sims
successful freq balance mean
balance min balance max



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