Monte Carlo Calculator: Illustrative Accumulation Scenarios

What these simulations mean

The tool generates 5,000 random paths under your entered return and volatility assumptions. Only the selected number of sample paths is drawn. It does not load historical market data or forecast any security.

The histogram shows the frequency of ending balances within this simulated sample, not verified probabilities of future outcomes. Changing assumptions or rerunning random simulations can change the results.

The model simulates accumulation until the chosen age. It does not test retirement spending, establish a safe retirement age, select an investment or recommend a portfolio allocation. Fees, taxes, inflation and changing market conditions are not fully modelled. Defaults are hypothetical examples.