Retirement Success Graph

Whether you're testing your FIRE retirement plan or just starting, Retirement Success Graph makes professional retirement planning available to everyone.

POWER + PRIVACY:  
Powered by a Monte Carlo Engine performing up to 10,000 simultaneous simulations, Retirement Success Graph stress-tests your retirement plan using 100+ years of US market & economic data. A privacy-first architecture ensures that no data leaves your device.  No subscriptions. No registration. No ads.

MISTAKE-FREE MODE:
The new 'Guide Me' mode offers a simple Q&A to create or modify your retirement plan. Whether you're new to planning or already have your plan, the 'Guide Me' mode allows mistake-free planning for your financial independence.

Core Analysis Tools:
Stress test your retirement plan with sophisticated Monte Carlo modeling—the same techniques used by financial advisors managing millions. Created specifically for FIRE (Financial Independence, Retire Early), Bogleheads, investors, and pre-retirees aged 40-65.

- Monte Carlo Model powered by 100+ years of economic data
- Free version: 50 simultaneous simulations
- Success probability analysis with confidence intervals
- Inflation-adjusted projections to age 95
- Interactive charts showing portfolio growth trajectories
- 4% rule validation with multiple withdrawal strategies
- NEW: Guide Me interview mode 
- NEW: What-If Adjustments with suggested changes to improve your plan

Premium Upgrade Features ($4.99 One-Time):
- 10,000 simultaneous Monte Carlo simulations for maximum accuracy
- Social Security claiming optimization with spousal coordination
- NEW: Advanced Withdrawal Methods: Dynamic, Bucket Strategy, Bond Ladder, Total Return
- NEW: Variable Expense Options Allow Changes at Varying Ages
- NEW: Recurring Income Incorporates Pension, Annuity, Trust, & Rental Income
- NEW: Windfall Imports for Home Sale, Windfall, Insurance Payout, Sale of Business, & Inheritance
- NEW: Configurable Time Horizon to Adapt Your Plan for Longer/Shorter Windows
- NEW: Configurable PDF Reports - Executive, Detailed, Advisor, or Charts-Only formats
- NEW: Professional exports in PDF, PNG, HTML, and CSV formats
- Unlimited scenario comparison and saving
- Spousal benefit analysis and coordination strategies

What Makes This Different:
Most retirement calculators rely on oversimplified assumptions, like a single rate of return, inflation, or expenses. This app applies industry-proven Monte Carlo modeling to stress-test your plan against 100 years of U.S. market & economic history, including market crashes, inflation spikes, and sequence-of-returns risk.

One-Time Purchase Philosophy:
No subscriptions. No registration. Buy once, own forever. Professional-grade tools without fees or data harvesting.

Perfect for DIY investors, pre-retirees working with financial advisors, and anyone serious about retirement readiness.

From the Developer:
"Financial independence shouldn't require choosing between expensive subscriptions or surrendering your data privacy. Whether pursuing FIRE, early retirement, or traditional planning, Retirement Success Graph app delivers Wall Street-level Monte Carlo analysis to everyone." -- Kevin Donahue


Understanding Monte Carlo Simulation:
Monte Carlo models use statistics and mathematics to predict unknown future events. Unlike simple calculators that assume constant returns, Monte Carlo scenarios incorporate uncertainty and randomness.
Example: The distance between buildings is constant, but travel time varies with traffic, weather, and delays. A Monte Carlo model simulating 1,000 trips determines median travel time and probability ranges.
For retirement planning, Monte Carlo tests factor decades of economic variables. This app performs up to 10,000 model runs, continuously changing investment returns, inflation rates, expense variations, and market volatility to determine your success probability—providing statistical accuracy previously available only through expensive financial advisors.