Monte Carlo Savings Simulator

Markets don't grow in a straight line, so neither should your projection. This runs thousands of randomized market scenarios against your plan and shows the full range of outcomes, not a single optimistic number. Everything runs in your browser: nothing is sent anywhere.

Use a real, after-inflation return so results stay in today's dollars. Stocks have averaged about 7% after inflation; lower it (say 3-5%) for a more cautious estimate.
Year-to-year swings. A broad stock index sits around 15%.

This is an educational model, not financial advice. Returns are simulated with a lognormal model and assume constant contributions; real markets, taxes, and fees differ.

Median outcome
–
at your horizon
Likely range
–
10th to 90th percentile
Chance of goal
–
of reaching goal
You contribute
–
total out of pocket

Projected balance

Median 25–75% 10–90% Contributions

Modelling cloud spend rather than savings?

The same question shows up on cloud bills: the average case is fine and the tail is what hurts. We review agentic workloads for runaway cost and the guardrails that stop it.

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