Loading simulator...
Retirement Stress Test
What would market timing do to your retirement?
Most retirement plans fail not because of poor average returns — but because of when those returns happen.
A market decline in the first decade of retirement can permanently alter your outcome, even if markets recover fully. This is called Sequence of Returns Risk — and it is the most underestimated risk in retirement planning. Enter your numbers and stress-test your plan against it.
1,000 Monte Carlo simulations
Early vs late crash comparison
Historical retirement cohorts
Safe spending range
AI Q&A on your specific plan (explicit consent)
Why the early years matter most
When you retire, you begin withdrawing from your portfolio. If markets fall early, you sell assets at depressed prices — permanently reducing the base that future growth compounds on.
The asymmetry of timing
Two retirees with identical average returns can have completely different outcomes depending on when those returns occurred. A crash at retirement is far more damaging than the same crash a decade later.
What this means for capital
Understanding your SORR exposure helps you make better decisions earlier in life — including when it may be safe to deploy capital more aggressively, knowing your retirement floor is protected.
Your data stays in your browser. AI Q&A is now available. If used, only plan numbers (ages, portfolio, income figures) are sent to Anthropic — no names or personal details. Explicit consent required each session. All other calculations remain in your browser.
Share Feedback