Real scenarios run through 10,000 Monte Carlo simulations. See what traditional calculators miss — and what could really happen to your money.
Built by a Financial Risk Manager (FRM) · Institutional‑grade methodology
Accounting professional with CPF Life, rental income, and a $450K balanced portfolio. Linear forecast says money lasts to 85 — Monte Carlo reveals a 20% chance of running out 9 years early.
Freelance developer with $350K in a 90/10 equity‑heavy portfolio, saving $35K/year. Linear models say she hits $1.5M on schedule — simulations show only a 50/50 chance.
Traditional retirement calculators give you one number based on average returns: "Your portfolio grows at 8% per year." But real markets don't move in straight lines.
Markets swing between crashes and rallies. The sequence of those returns matters enormously — retiring right before a crash produces a radically different outcome than retiring at a peak.
Monte Carlo simulation runs your plan through thousands of possible scenarios to show the full range — from best case to worst case.
Stop relying on overly optimistic calculators. See the full range of outcomes with Monte Carlo simulation.
Best to worst case
CPF, EPF & global
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