Retire with confidence.
Simulate 10,000 futures in seconds.

Actuarial‑grade Monte Carlo simulations estimate how long your nest egg (your retirement savings) could last—and what changes might extend it.

Longevity as a distribution

Models thousands of lifespans—not a single "age 95"—so longevity risk is built in.

Sequence‑of‑returns risk & fat tails

Incorporates sequence-of-returns risks and large market drops into every simulation.

Health & LTC shocks

Includes stochastic health‑cost shocks to show how surprise bills affect chance of success.

Adaptive guardrails

Use adaptive withdrawal rules (e.g. Guyton-Klinger) that adjust as markets move.

Latest Insights

January 1, 2026

Lower expected returns and non-standard retirement horizons (early retirement, couples, longer lifespans) makes revisiting 4% rule necessary.

December 14, 2025

The financial risk of living too long.

November 23, 2025

Why Sequence-of-Returns Risk and Volatility Drag make deterministic models dangerous for the retiree.

January 1, 2026

Update

International Tax System, What-ifs / Sensitivity / Optimizers, and cleaner UI

October 12, 2025

Update

Sharing feature now in beta, revision to default inflation model

October 1, 2025

Update

ActuaPlan is now live with early-bird offer.

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