How to Use RetireSim

1 — Enter Your Retirement Inputs
Add your current portfolio value, annual contributions, expected retirement age, withdrawal needs, and Social Security assumptions. If you have income sources other than social security, use the "+ Add income source" button

2 — Choose Your Return Assumptions
Set average return, volatility, and inflation. These drive the Monte Carlo simulations.

3 — Run the Simulation
RetireSim runs thousands of randomized market paths to estimate how your portfolio may grow — and whether it can sustain withdrawals in retirement.

4 — Review Your Probability of Success
This shows how often your plan succeeds across all simulated market conditions. Higher percentages mean greater confidence.

5 — Explore the Projection Chart
See median outcomes, optimistic paths, and conservative paths. This helps visualize how your portfolio may behave over time.

6 — Check Income Sustainability
Review how long your withdrawals are projected to last and whether your plan risks running out of money.

7 — Adjust Inputs to Test Scenarios
Change retirement age, spending, returns, or savings to see how each factor affects long‑term success.

8 — Save or Load Your Analysis
Export encrypted results or import a previous RetireSim plan anytime.