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Compare 2-3 retirement scenarios side by side. Instantly see which path gives you the best retirement income and success rate. Free, no signup required.
Scenario 1
Monthly Income
$3,423
Portfolio
$879,981
Success Rate
100%
Scenario 2
Monthly Income
$5,131
Portfolio
$1,366,495
Success Rate
100%
Highest Monthly Income
Scenario 2
$5,131 monthly
Highest Success Rate
Scenario 1
100.0% success rate
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Example output — not real data
🎯
87%
Success Rate
💰
$48,200
Tax Savings
📈
Dynamic
Optimal Strategy
1,000+ scenarios testing your exact plan against real market history
Roth conversion ladders, RMD planning, and bracket management
Compare retirement at 55, 60, 65 — side by side with real numbers
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The Scenario Comparison Calculator helps you evaluate multiple retirement paths and see which one gives you the best outcome. It combines deterministic calculations with Monte Carlo simulations to show both expected results and success rates.
Portfolio at Retirement
Your current savings grow with monthly contributions, compounded at the expected return rate you specify for each scenario.
4% Withdrawal Rule
We use the classic 4% rule: you can safely withdraw 4% of your portfolio annually without running out of money in a 30-year retirement.
Social Security Benefit
We estimate your benefit based on your annual income and adjust it based on when you claim (claiming later increases your benefit up to age 70).
Monte Carlo Simulation
We run 50 simulations with random market returns (mean = expected return, stdev = 15%) over 40 years of retirement to show the percentage of times your money lasts.
Compare scenarios to see how different retirement ages, savings amounts, and market assumptions affect your retirement security and lifestyle.
Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.