💰 Savings & Retirement Simulator

Start with Basics. The other blocks are optional; turn on only what matters to you. Your action plan uses only the options you activate.

🧱 Basics ▾

The core parameters: starting capital, monthly contribution, expected average annual return and simulation length. Everything else builds on this.

Starting capital $1,000

Monthly contribution $300

Increase contributions with inflation

Gross annual return 7%

Horizon 15 yrs

💪 Extra effort ▾

A temporary extra contribution early on. Thanks to compounding, money invested early works longer: see how many years you gain before yearly interest covers your yearly contributions.

Annual amount $2,400

Duration 5 yrs

Stop the extra effort at retirement Index the extra effort to inflation

🌡️ Economic environment ▾

Inflation gradually raises your monthly contributions and withdrawals, keeping your real effort constant over time. Annual fees reduce your net return.

Average inflation 2%

Annual fees 0.5%

🧾 Taxes not included ▾

This simulator shows a before-tax projection. It does not model income tax, capital-gains tax, account-specific tax benefits, or taxes on withdrawals in the US or any other country. The result is not a tax estimate or tax advice.

All projected returns and withdrawals are shown before taxes. Check the rules that apply to your situation separately.

🏖️ Retirement ▾

At retirement, monthly contributions stop and withdrawals begin. The amount you enter is the before-tax withdrawal; this version does not calculate any tax. Two calculations are offered: “sustainable” keeps your retirement-day capital intact (you live off interest only); “maximum” uses the capital up so it reaches zero right at the end of the horizon. Withdrawals can never exceed available capital.

Retirement start Yr 11

Monthly withdrawal (before tax) $1,500

Index withdrawals to inflation

🏠 Home sale ▾

In the chosen year, you sell your home for an estimated amount. The net proceeds (appreciated value minus selling costs and the remaining loan balance) are reinvested in your portfolio, generating income until the end of the horizon. (Home-sale taxes are not included in this before-tax projection.)

Sale year Yr 10

Estimated home value $300,000

Annual appreciation (%)

Costs + loan ($)

Appreciate price with inflation (if rate above is zero)

🎯 Capital goal ▾

Set a target amount: a green dashed line appears on the chart and the simulator shows the year you reach it — and how many years the extra effort saves you.

Target capital ($)

🎲 Volatility (Monte-Carlo) ▾

Markets don't return a fixed rate every year. This panel draws hundreds of random return scenarios (normal distribution around your average rate) and shows a range: pessimistic (5th percentile), median and optimistic (95th percentile). Reveals sequence risk, especially during retirement.

Annual volatility 15%

Number of scenarios 300

Final capital—

Total contributed—

Total withdrawn—

Interest generated (gross)—

TaxesNot modeled

Interest share—

Bars: 🟤 interest · 🩷 monthly contributions · ❤️ extra effort · 🟩 home-sale proceeds · 🟦 retirement withdrawals (negative) · Lines: cumulative capital & Monte-Carlo range (right axis) · Click legend items to hide them

Final capital breakdown