PlainFigure

Retirement calculators for stress-testing the plan

Use simulation to test retirement income, withdrawal rates, market volatility, and downside paths instead of relying on one average return.

Average returns hide sequence risk

A retirement plan can look fine in a straight-line projection and still fail if weak market years arrive early. Monte Carlo simulation shows a range of possible paths, including bad sequences that matter most for withdrawals.

PlainFigure's retirement math is educational and assumption-driven. It is not investment advice, tax advice, or a substitute for a fiduciary planner.

Start with the retirement question

The current retirement tool is for stress-testing one plan across many market paths, then changing one assumption at a time.

Test withdrawal risk Check downside paths Compare spending assumptions

Retirement tools

Retirement Monte Carlo Calculator

Run thousands of return paths to estimate retirement success odds, downside risk, median ending balance, and low-percentile outcomes.

Run retirement simulation

Assumptions to revisit

Withdrawal amountSmall spending changes can move the success rate more than return tweaks.
Return and volatilityHigher expected returns usually bring higher uncertainty. Test conservative cases.
Time horizonLong retirements need more margin because poor sequences have more time to compound.

PlainFigure does not currently sell investment products or collect retirement leads. Any future monetization should be clearly disclosed and kept separate from the simulation results.