We'll run 5,000 market scenarios using exactly these numbers. Make sure they look right — it only takes a second.
The calculator shows you the most likely outcome.
This report shows you every possible outcome —
and gives you the exact playbook to protect your Financial Independence date.
A single projected line tells you the average future. Markets aren't average. Here's what you're missing.
| What you want to know | Calculator | Full Report |
|---|---|---|
| My Financial Independence age estimate | + risk-adjusted | |
| What if markets crash 40% the year I retire? | Simulated | |
| Chance I run out of money before 85 | Exact % | |
| How much can I actually spend in retirement? | Range shown | |
| Roth vs traditional — which saves me more tax? | Optimized | |
| Will I have enough if I live to 95? | Stress-tested | |
| Can I afford a 3-month sabbatical before retiring? | Modeled | |
| Shareable PDF for my spouse or advisor | 3-page PDF |
Each feature builds on your calculator inputs — no re-entering data. No fluff.
Markets don't move in straight lines. We run 5,000 randomized scenarios — great markets, terrible markets, and everything between — using your exact numbers and risk profile. The result: your true probability of Financial Independence, not just the optimistic average.
Think of it like crash-testing your retirement plan in 5,000 different economic timelines simultaneously.
Converting traditional IRA / 401(k) to Roth at the right time can save tens of thousands in future taxes. We calculate exactly how much you can convert each year to "fill" your current bracket without triggering the next tier. Most people leave $20,000–$60,000 on the table by not doing this.
Numbers alone don't convince spouses or advisors. Your report opens with a plain-English executive summary, followed by your Monte Carlo fan chart, Roth schedule, and all assumptions. Print it, email it, bring it to your first advisor meeting — instead of paying $500–$1,000 for them to build the same thing from scratch.
Three pages. Cover, Monte Carlo analysis, Roth strategy. All personalized to your numbers.
Based on your psychometric risk assessment
and 5,000 Monte Carlo simulations
| Age | Best 10% | Median | Worst 10% |
|---|---|---|---|
| 50 | $680k | $520k | $310k |
| 55 | $1.1M | $820k | $430k |
| 60 | $1.8M | $1.2M | $580k |
| 65 | $2.7M | $1.7M | $720k |
| Year | Age | Convert | Cum. Roth | Tax Saved |
|---|---|---|---|---|
| 1 | 35 | $18,400 | $18,400 | $736 |
| 2 | 36 | $18,400 | $36,800 | $1,472 |
| 3 | 37 | $18,400 | $55,200 | $2,208 |
| 4 | 38 | $18,400 | $73,600 | $2,944 |
| 5 | 39 | $18,400 | $92,000 | $3,680 |
8 real-life scenarios · 90 seconds · This shapes your personalized report
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This will run 5,000 market simulations — takes about 3 seconds
Stop lying awake at 3am. Your exact probability score — stress-tested across 5,000 real-world market scenarios — replaces the anxiety with a number you can actually act on.
Your risk score of — (—) has been analyzed. Here's what's waiting inside:
Financial advisors charge $500–$1,000 for a single planning session that produces exactly this analysis. This report gives you the same data — built on your actual numbers — for $19.99. Bring it to your first advisor meeting and skip the $500 intake fee.
"I brought this to my CFP meeting and she said it was exactly what she needed to see. Saved me the $600 intake fee on the spot."
"The crash survival score finally gave me and my wife a concrete number to agree on. We'd been arguing about timing for two years."
One report. One price. No subscriptions, no accounts, no surprises.
Everything you need to know before purchasing.