AINumbers tools: T107 · Monte Carlo FIRE T168 · Sequence-of-Returns T169 · Roth Conversion T170 · Safe Withdrawal Rate
Personal Finance · FIRE Planning · Demo #36

Personal Finance
Retirement Simulator

Four-stage retirement planning chain: Monte Carlo trajectory simulation, sequence-of-returns stress testing, Roth vs. Traditional conversion analysis, and safe withdrawal rate modelling. All client-side. Zero data transmitted.

FIRE Planning Monte Carlo Roth Conversion Safe Withdrawal Client-Side · Zero PII
⚠ Educational use only — not financial advice. All outputs are illustrative projections based on simplified models. Consult a qualified financial advisor before making retirement planning decisions.

Portfolio Inputs

Enter your current financial position. These inputs flow through all four analysis modules. Use synthetic or rounded figures — no personal data is stored.

Your age today
30 years to retirement
Total invested assets ($)
Total annual savings added ($)
Target withdrawal in retirement ($)
Years in retirement to model
Pre-tax balance (for Roth analysis)
Other guaranteed retirement income

Monte Carlo FIRE Trajectories

1,000 simulated market scenarios using Box-Muller parametric sampling. Shows the probability cone of portfolio values and your likelihood of portfolio survival through retirement. Mirrors T107 logic.

Portfolio Value Probability Cone — Retirement Years
90th percentile Median 10th percentile
Scenario Analysis

Roth vs. Traditional Conversion

Should you convert pre-tax dollars to Roth now? Models the tax cost of conversion against the lifetime benefit of tax-free growth. Informed by your tax brackets from Step 1. Mirrors T169 logic.

Amount to convert from Traditional → Roth
% (enter 0 if no state income tax)

Safe Withdrawal Rate Analysis

Tests your planned withdrawal against the 4% rule and its variants across bull, base, bear, and sequence-of-returns-stress scenarios. Calculates your FIRE number and inflation erosion. Mirrors T170 logic.

Scenario Testing
FIRE Number at Various SWRs

Your Retirement Plan

Integrated summary across all four modules. Export as a Policy Mandate to share with a financial advisor or include in a planning document.