Monte Carlo Portfolio Simulator

Project your portfolio's future value by simulating thousands of market scenarios. See the range of possible outcomes for your investments - from best case to worst case - and make informed decisions about your financial goals.

Monte Carlo Simulator

Simulation Mode
%
%
years
Median Outcome
1,268,926
After 30 years
Best Case (95th)
3,609,548
Worst Case (5th)
509,332
10th Percentile
600,962
90th Percentile
2,920,763

Projection Chart

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Median (50th)
Probability Range
Portfolio Growth Mode
Project how your portfolio may grow over time based on your contributions, expected returns, and market volatility. The fan chart shows the range of possible outcomes.

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Tips

Monte Carlo simulations run thousands of scenarios with random market returns to show the range of possible outcomes - not just a single projection.
The median (50th percentile) represents the most likely outcome, but pay attention to the worst-case (5th percentile) to understand your downside risk.
Higher volatility creates a wider range of outcomes. Conservative portfolios have narrower bands but potentially lower returns.
For retirement planning, aim for at least 90% survival probability. A 75% probability means 1 in 4 scenarios result in running out of money.
Sequence of returns risk matters most in the first years of retirement. Bad early returns can deplete your portfolio faster than bad later returns.
Review and adjust your plan regularly. Market conditions, your goals, and life circumstances all change over time.

FAQ