How ready are you for retirement?

Free Monte Carlo retirement calculator: grow your portfolio with a simple US equity proxy, then stress-test a sample income portfolio in retirement. See goal funding and retirement success odds in minutes — no account required.

How it works

• Enter your age, years until retirement, and current portfolio value.
• We simulate growth to retirement and decumulation in retirement.
• Results are hypothetical; not personalized financial advice.

Frequently asked questions

What does this retirement calculator show?

A quick Monte Carlo snapshot with median portfolio value at retirement and dials for goal funding and retirement success.

Do I need an account?

No for the free calculator. Sign in to Quala to save holdings, spending, and full life plans.

Is this financial advice?

No. Hypothetical simulations only — verify figures before making decisions.