Step 1: Enter your current age, and your desired age to retire. The difference will be the number of years used to apply savings and investment returns. Step 2: Enter your current account size. Step 3: Enter the monthly deposits (savings) you plan on making into this account. Step 4: Enter the annual return you expect your investments to achieve in retirement. Step 5: Enter the annual return volatility you expect to have in retirement. Step 6: Enter the annual inflation and inflation volatility you expect to occur during your retirement.

Results show the expected value of your account for the 10th percentile, 25th percentile, 50th percentile, 75th percentile, and 90th percentile. 50th percentile is the average result, 90th percentile would be a great result, and 10th percentile would be a poor result. A percentile is a measure used in statistics indicating the value below which a given percentage of observations in a group of observations fall. For example, the 25th percentile is the value (or score) below which 25 percent of the observations may be found. We run 1000 test simulations (observations) per backtest on your expected values and gather percentile information from these tests.

Annual Return (%):

Expected average annual return for your investment/savings over the duration of saving period.

Annual Volatility (%):

Expected average annual volatility for your investment/savings over the duration of saving period.

Annual Inflation (%):

Expected average annual inflation for your investment/savings over the duration of saving period.

Annual Inflation Volatility (%):

Expected average annual inflation volatility for your investment/savings over the duration of saving period.

Current Age:

Desired Retirement Age:

Duration of investment/savings equals your desired retirement age subtracted from your current age.

Current Account Size ($):

The current amount of money in your retirment/savings account.

Monthly Deposits into Account ($):

The amount of money you plan to contribute to your retirment/savings account each month.

Investment Advisor Annual Fees (%)

The fee your investment advisor charges to invest your money, in % per year.

Assumption 1: Since we are adjusting for inflation based on the above inputs, the final account balance ($), is in today's $ Assumption 2: The monthly deposit you enter is not adjusted for inflation, therefore the $ per month you contribute into your account will remain constant throughout the simulation. If you would like to adjust this value please run multiple simulations using the ending account balance as the new starting account balance.

If you would like to save your settings copy the below URL, and bookmark it. When you would like to resume, visit this bookmark and settings will be filled in automatically.

Save Settings for Future Use - Copy this URL

Money Invested vs. Money Earned from Investments

$ Invested are marked as a % of the whole account value. The entire account value is composed of $ Invested and the earnings from investment of the funds. Earnings are after inflation earnings.

Downloads

The Spreadsheet below can has each month and each percentile return output in it, it can be edited in Excel Download Output Spreadsheet

A HTML Report can be downloaded below with settings and retirement savings curve information, please save file to drive before opening. This file may be shared with others or saved to your computer for future reference. Download HTML Report

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