SimRetirement is an application to help you decide if you have enough money saved for retirement. The program works by simulating your retirement month by month under a wide variety of external market conditions. In each of thousands of simulations of your retirement, the external market (stocks, bonds, inflation, etc) is modeled in a historically realistic, but random way. This method is known as a Monte Carlo simulation and gives you a probability that your retirement will be successful.


The program is available for Windows and is free and open source. No internet connection is needed and the program doesn't send your data anywhere.