Will your money last? Get the real odds.
Enter your savings, contributions and spending. RetireOdds runs 10,000 Monte Carlo market simulations and tells you the exact probability your money lasts through retirement. See your odds free, pay once to unlock the full report. No subscription.
Check my odds freeRetireOdds is a pay-once Monte Carlo retirement calculator for DIY investors deciding "can I retire?" You enter your age, current savings, annual contributions, desired spending and other income, and it runs 10,000 randomized market paths to compute the probability your money lasts through your plan-to age. You see your success probability free, then unlock a full plain-English report with your outcome ranges, biggest levers and next steps for a one-time fee — no subscription.
How it works
Not a static spreadsheet. Real probability math on your numbers.
Enter your numbers
Age, savings, yearly contributions, desired spending, and any pension or Social Security income.
See your odds free
We run 10,000 Monte Carlo simulations and show your exact success probability, before you pay.
Unlock the full report
Pay once for the full breakdown — outcome ranges, your biggest levers, and prioritized next steps.
The full report covers:
Check your retirement odds
Fill this in, then run a free 10,000-path simulation of your plan.
Market assumptions — the defaults are reasonable; adjust if you have your own view:
The bottom line — a free preview
Your retirement report is ready
Why it beats a static calculator
Real probability, not one guess
A single "you'll have $X" number ignores market luck. We run 10,000 paths so you get a probability, not a false certainty.
You see your odds before you pay
The free preview computes and shows your real success probability from your own numbers — no obligation.
One-time, not a subscription
Most Monte Carlo planners run $100+ per year. You pay once and keep your report.
Simple, one-time pricing
Comparable Monte Carlo tools charge $100+ per year or $99 one-time. You pay once and own the report.
$29
Your odds, the range of outcomes, your biggest levers, and prioritized next steps.
$19
The core read: your success probability and the top actions to improve it.
Money-back
If the report isn't right, contact us for a refund.
Questions
Is my success probability really free to see?
Yes. We run the full 10,000-path Monte Carlo simulation from your own numbers and show the exact success probability, plus a short read on whether you are on track, before you pay anything.
How is the probability calculated?
A Monte Carlo simulation runs your plan through 10,000 randomized market paths, each year drawing a return from your expected return and volatility. The success probability is the share of paths in which your money lasts through your plan-to age. The math runs on our server and is never made up by an AI.
Is this a subscription?
No. It is a single one-time payment per report. Most Monte Carlo planners cost $100 or more per year; RetireOdds is pay once with nothing to cancel.
Is this financial advice?
No. RetireOdds is an educational modeling tool. It shows the math of your assumptions and levers, but it is not personalized financial, tax, or investment advice.
What if I'm not happy?
Contact us for a refund. Because you see your real odds in the free preview, you usually know the report is worth it before you pay.