RetireSure Simulator vs Portfolio Lab

Will your money last through retirement? RetireSure uses real historical market data to show whether your retirement plan actually works — not just on average, but in good and bad markets. Run 10,000 Monte Carlo simulations based on 76 years of U.S. market returns (1950–2025) and see your true probability of success. Understand your plan clearly: • See your chance of running out of money • Test worst-case market scenarios • Find your safe annual spending level • Model different spending by age range — for SS bridge gap planning • Compare different retirement ages and strategies • Adjust inputs instantly and see results in real time Most retirement calculators assume smooth, average returns. Real markets don't behave that way. RetireSure stress-tests your plan against real historical conditions — including crashes, inflation spikes, and sequence-of-returns risk — so you can make decisions with confidence. Built for serious retirement planning: • No subscriptions — one-time purchase • Outcome range — median, worst 10%, best 10% scenarios • Clean, simple interface • Fast results in seconds • Based on real market history, not assumptions Know where you stand before you retire and how it's going during retirement

Portfolio Scenario Lab helps you estimate a range of possible portfolio outcomes using Monte Carlo simulation. Instead of showing one fixed projection, the app runs up to 100,000 market scenarios using your assumptions for starting balance, expected annual CAGR, volatility, contributions, withdrawals, inflation, taxes, crash cycles, and time horizon so you understand your true risk/rewards on your investments. Use it to explore questions like: • How much could my portfolio grow over time? • What is my chance of reaching a portfolio goal? • How likely is my retirement portfolio to last? • How much could I withdraw in retirement? • How much would I need to contribute to reach my goal? • How do contributions, withdrawals, inflation, taxes, and volatility affect my outcome? • How much risk am I taking? Key features: • Build Wealth mode for long-term investing • Retirement Withdrawals mode for portfolio survival planning • Monte Carlo simulation with percentile outcomes • Median, mean, best-case, and worst-case results • Goal probability, survival probability, and shortfall risk • Required Monthly Contribution estimate • Sustainable Withdrawal Estimate • Inflation-adjusted “today’s dollars” view • Nominal future-dollar results • Simplified tax estimates and tax impact projection • Maximum drawdown analysis • Drawdown duration and recovery insights • Loss probability and return probability charts • Scenario path charts • Ending value distribution • Extreme crash and recovery cycle stress testing • Save and compare simulations • Optional private iCloud backup and restore • PDF, Excel, CSV, share text, and share card exports with premium unlock • Simple educational explanations for assumptions and limitations Portfolio Scenario Lab is designed to be simple, visual, and easy to understand. It is built for investors who want a clearer picture of possible future outcomes without needing complicated spreadsheet models. Disclaimer: This app is for educational purposes only and does not provide financial, investment, retirement, tax, or legal advice. Simulations are based on user-selected assumptions and may not reflect actual market performance. Tax estimates are simplified and may not reflect your personal tax situation.