Retirement Simulator

Monte Carlo · 500 paths · Historical returns 1928–2023
Success rate
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Median final
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10th percentile
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90th percentile
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Portfolio value over time
90th
75th
Median
25th
10th
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500 Monte Carlo paths · historical returns
— All values in today's dollars (nominal balances deflated by inflation)
Source: Aswath Damodaran, NYU Stern — Annual Returns on Stock, T.Bonds and T.Bills: 1928–Current . S&P 500 total return includes price appreciation and dividends reinvested. 10-yr Treasury total return includes coupon payments and price appreciation.
YearS&P 50010-yr T-BondBlended