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The purpose of my calculator is to simulate how an investment portfolio might grow and behave over
Most retirement calculators assume that markets move in a straight line, predicting a consistent 7% return every year with no volatility or uncertainty. However, real markets operate quite differently. I developed this retirement simulator to model a more realistic financial life cycle. Instead of relying on a fixed return, this calculator generates yearly returns based on a probability distribution defined by expected return and volatility. Each simulated year reflects how your investment portfolio grows or declines based on market performance, with contributions added during working years and withdrawals beginning in retirement, adjusted for inflation. The outcome is a simulated financial life cycle that illustrates the intricate interactions of compounding, volatility, and time over decades.