Monte Carlo Retirement Calculator
Test your retirement plan against thousands of possible scenarios. See your real probability of success with Monte Carlo simulation.
What is Monte Carlo Simulation?
Monte Carlo simulation runs your retirement plan through thousands of different market scenarios to calculate your probability of success. Instead of hoping for average returns, you'll see exactly how likely your plan is to work.
Each simulation tests different sequences of market returns, inflation rates, and market conditions - just like real life. The result? Your personal probability of never running out of money.
Why It Matters for Your Retirement
Sequence of Returns Risk
Poor returns early in retirement can devastate your plan, even if long-term averages are good.
Market Volatility Reality
Markets don't give steady returns. Monte Carlo tests your plan against real market behaviour.
Confidence in Your Plan
Know your probability of success and make adjustments before you retire.
How Monte Carlo Simulation Works
Input Your Plan
Enter your retirement age, savings, expenses, and investments
Run 10,000 Scenarios
Each scenario uses different market returns and inflation rates
Track Success Rate
Count how many scenarios leave you with money throughout retirement
Get Your Probability
See your exact chance of retirement success with confidence ranges
What You'll Learn
Success Probability
Your chance of never running out of money in retirement, based on thousands of market scenarios.
Key Insights
- See exactly how market volatility affects your retirement timeline
- Understand if you're saving enough or need to adjust your plan
- Test different retirement ages and spending levels
- Build confidence in your retirement decisions
Ready to Test Your Retirement Plan?
Get your personalised Monte Carlo analysis and see your probability of retirement success.
Your Next Steps
Run Your Monte Carlo Simulation
Get your personalised probability of success with Delphina's Monte Carlo tool. See exactly how likely your retirement plan is to work.
Use the Retirement Planner
Build a comprehensive retirement plan and test it with Monte Carlo analysis to see if your money will last.
See Your Retirement Timeline
Map your wealth year by year with the retirement timeline calculator and see exactly when you could afford to stop working.
Explore Monte Carlo Simulations
Learn more about how Monte Carlo simulations work in Delphina and the methodology behind the probability calculations.
Calculate Your Retirement Number
Understand how much you need to retire based on your desired lifestyle and expected retirement length.