Noesis

Retirement planner

Make your money last.

A live Monte Carlo simulation across 2,000 market paths. Set your numbers, see your odds. Default case: a $1M nest egg at 65, withdrawing $40k a year for 30 years.

Your plan

Every number is yours to change.

Asset allocation 100% total
Stocks 60%
Bonds 35%
Cash 5%
Advanced: real returns & volatility

Real (after-inflation) annual returns. Defaults reflect long-run historical averages; volatility is the standard deviation of annual returns.

MeanVol Stocks Bonds Cash
Stress-test scenarios

One-click presets. They apply the scenario to the simulation — your inputs above stay where they are.

Active scenario: default.

Probability of success

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Money lasts the full horizon

Median ending balance

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10th percentile (bad case)

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10th–90th percentile 25th–75th percentile Median Starting balance

What this means

Run the simulation to see the read.

For information and education only — not personalized financial, investment, tax, or legal advice. Past returns don't guarantee future results.