FREE TOOL

Retirement Monte Carlo
Simulator

Run 5,000 simulated retirement paths to find your real probability of financial success — built for UK and US investors.

Your Details
👤 Your Ages
Conservative: use 95. Average UK life expectancy: 81 (men), 83 (women).
💼 Portfolio
Include pension contributions, ISA savings, etc.
Before any State Pension / Social Security offset.
🏛️ UK State Pension
Full new State Pension 2024/25: £11,502/yr. Check your forecast at gov.uk/check-state-pension.
📈 Market Assumptions
UK long-run average: 2.5%. US: 3%. Your withdrawals grow with inflation.
📊

Fill in your details on the left and click Run 5,000 Simulations to see your retirement probability analysis.

⚠️ Educational tool only. Not financial advice. Monte Carlo simulation uses historical volatility assumptions and random sampling — actual outcomes will differ. Past market returns do not guarantee future performance. UK State Pension figures based on 2024/25 full new State Pension. Consult a qualified financial adviser before making retirement decisions. Fintiq Ltd is not FCA authorised.