Run 10,000 Monte Carlo simulations using forward-looking return forecasts — not just historical averages.
Free. No account required.
See the full range of what could happen — not just one number
Not one projection — 10,000. See the full range, from best case to broke.
Compare your plan across multiple publicly available forecast assumptions — not just historical averages.
A Monte Carlo optimizer searches thousands of allocations to maximize your survival rate.
Aggressive at 35, conservative at 65. Multi-period optimization across life phases.
In 2008, diversification failed. We model realistic co-movements in crises.
No account. No tracking. No data sold. Everything runs locally.
The features that separate real planning from guesswork
See the full distribution of outcomes — not a single optimistic projection. Know your actual probability of success.
Forward-looking assumptions derived from publicly available research by major asset managers — not just historical averages.
Federal + state tax modeling with Roth conversion strategy, IRMAA surcharges, and capital gains optimization.
AR(1), multi-category, regime-switching, and per-asset coupling. Not a fixed 3% assumption.
Test your plan against 2008, COVID, stagflation, and custom shocks. Find your exact breaking point before it finds you.
No subscriptions. No annual renewals. No account required. Everything runs in your browser.
Start free, upgrade when you need more
Most retirement planning tools charge $100–200 per year. QuantCalc PRO: $99 once. Yours forever.
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Most retirement calculators assume the future looks like the past. QuantCalc is different.
We reference publicly available Capital Market Expectations — forward-looking return forecasts published by major asset managers — so you can compare how your plan performs under different assumptions.
QuantCalc is an independent tool. It is not affiliated with, endorsed by, or sponsored by any asset management firm referenced, including but not limited to BlackRock, J.P. Morgan, Vanguard, GMO, Schwab, Invesco, Morningstar, or Fidelity. Return assumptions are derived from publicly available research publications. All trademarks belong to their respective owners.
Monte Carlo simulation, Cholesky decomposition, SLSQP optimization. See exactly how we model your retirement.
Read Methodology →Does the 4% rule survive forward-looking forecasts? Six published CMEs stress-tested. Open data, full methodology.
Read Research →Deep dives into Monte Carlo methods, withdrawal strategies, ACA optimization, tax planning, and portfolio theory.
Browse Guides →QuantCalc uses forward-looking return forecasts from publicly available research — not just historical averages. It runs 10,000 Monte Carlo simulations with correlated asset returns, models life events (home purchases, inheritance, college) across all scenarios, includes 51-state tax modeling with ACA cliff and IRMAA awareness, and offers a Monte Carlo optimizer that searches allocations to maximize retirement success rate.
Yes. The free tier includes 3 Monte Carlo simulations per day (100 sims each), all core visualizations, and forward-looking forecast data. QuantCalc PRO ($99 lifetime) adds 10,000 simulations per run, portfolio optimization, and PDF export.
No personal financial data ever leaves your browser. Simulations run server-side on anonymized inputs (no names, no account numbers). Anything you save persists in your browser's local storage only.
Yes. QuantCalc lets you add up to 20 life events — home purchases, college tuition, inheritance, income changes, healthcare costs, and more. Each event is stress-tested across all Monte Carlo scenarios with per-event inflation categories (general CPI, medical, education, housing, or fixed nominal). One-time and recurring events are supported.
14-day money-back guarantee. Email [email protected] with your order ID within 14 days of purchase and we'll issue a full refund — no questions asked. Refund policy.
Built by QuantCalc — independent financial planning tools. Published January 2025.