Enter your finances
Move through the five tabs — Assets, Liabilities, Income, Expenses, and Retirement plan. Sample figures are pre-filled so you can explore first, then replace them with your own. Every keystroke recomputes your net worth, cash flow and savings rate in the panel on the right.
Run the simulation
Press Run simulation. Each of the (default) 1,000 trials walks your portfolio year by year from now to your life expectancy, drawing a random market return each year around your expected return and volatility. During retirement it withdraws inflation-adjusted, tax-grossed spending.
Read the outcome
The fan chart shows the 5th–95th percentile range with the median path; the histogram shows where your portfolio lands at life expectancy; the gauge is your success rate — the share of futures that never run dry. Above 85% is comfortable; below 60% needs a change of plan.
Questions
What exactly is a Monte Carlo simulation?
Instead of assuming one fixed return forever, it rolls the dice thousands of times — each year's return is drawn randomly around your average. The spread of results reflects real market uncertainty, including the risk of a bad decade landing right when you retire.
How is my net worth calculated?
Total assets (cash, investments, retirement accounts, home, vehicles) minus total liabilities (mortgage, loans, credit cards). The simulation invests only your liquid, investment and retirement assets, net of debt.
What do expected return and volatility mean?
Expected return is your portfolio's long-run average annual gain (7% is a common stock/bond blend). Volatility is how much any single year swings around that average — a 15% standard deviation is typical for a diversified portfolio.
Is this financial advice?
No. Wealth Planner is an illustrative modeling tool, not a recommendation. Returns are assumptions, not forecasts. Talk to a licensed advisor before making real decisions.
Is my data stored anywhere?
Everything runs in your browser. Nothing you enter leaves the page — there is no server call and no tracking. Refreshing resets to the sample figures.