Run 10,000 simulations using real market crashes from 1950–2025 and see the probability your portfolio lasts through retirement.
RetireSure Simulator analyzes thousands of possible futures using real historical market data so you can see how your retirement plan performs under different market conditions.
See how retiring 2 years early or 3–5 years later changes your survival rate. Dynamic "Retire at [age]" labels show the real tradeoffs at a glance.
Percentile bands show your median, 10th, and 90th percentile wealth path from retirement through your plan-to age. See the range of outcomes, not just the average.
Force your retirement to begin during the Dot-Com bust, 2008 Financial Crisis, 1970s Stagflation, and five more historical crashes. See how your plan holds up in the worst-case timing.
Include your benefit and your spouse's — with COLA adjustments, claim-age flexibility (62–70), and automatic bridge-period analysis showing the gap before SS kicks in.
See exactly how spending changes or allocation shifts affect your survival rate. Side-by-side bars show the impact of each dollar and each percentage point.
Histogram of 10,000 final portfolio values shows the full shape of your outcomes — not just a single number. See how many simulations failed and where the mass of results clusters.
Most retirement calculators assume smooth average returns.
Real markets do not behave that way.
A retirement plan that looks safe under average assumptions can fail if major market declines occur early in retirement.
This is known as sequence-of-returns risk.
RetireSure Simulator tests your plan against thousands of real historical market paths so you can understand your actual probability of success.
Portfolio value, retirement age, spending level, Social Security timing, and portfolio allocation.
Each simulation samples from historical market returns to generate thousands of possible retirement outcomes.
RetireSure Simulator calculates the percentage of simulations where your portfolio lasts through your full retirement horizon.
For educational and informational purposes only. RetireSure Simulator is a self-directed financial modeling tool. It does not provide personalized financial, investment, tax, or legal advice.
All results are hypothetical simulations derived from historical return data (1950–2025) and user-provided assumptions. Actual market returns, inflation, taxes, and future legislation may differ materially from historical patterns. Past performance does not guarantee future results.
Before making financial decisions, consult a qualified financial professional. This tool does not provide personalized investment recommendations and does not act as a fiduciary. Not a registered investment adviser.