Retirement Plan Simulator

Welcome to Retirement Plan Simulator!

The purpose of Retirement Plan Simulator (RPS) is to pressure test the survivability of financial plans for retirement by running the following simulations:

• Base Simulation: RPS will simulate your retirement plan against a simple smooth annual return rates for stocks and bonds, and adjust spending using constant inflation rate.
• Historical Simulation: RPS will simulate your retirement plan against actual prior historical market performance and sequence of events. Annual return rates of the S&P500 index (or total stock market index when available), intermediate bond fund index and inflation rates are used in the simulation.

RPS cannot definitively tell if a plan will survive retirement, but it can show the possible range of results that could be experienced during retirement. If a plan can survive every sequence of events in history (even the worst-case sequence of events), there is an excellent chance your plan will survive future scenarios. Conversely, and maybe more importantly, if a plan survives only a small percentage of historical sequence of events, this may suggest you need to adjust your plan.

Before using RPS, please read the disclaimer. More information can be found in the user guide . Hope you find this tool useful. Please email me with comments and suggestions.

If you are ready to test your retirement plan, press here to get started.