Monte Carlo simulation is a technique that runs thousands of independent trials — each with randomly drawn market returns — to produce a probability distribution of outcomes rather than a single projection. Retirement Lab runs 10,000 simulated market paths for each scenario.
Retirement Lab models income tax, capital gains tax, and wealth tax for 25+ countries, including the US, UK, Canada, Spain, Portugal, France, Germany, and more.
Tax calculations use real bracket-based models with current published rates. They are simplified approximations — consult a qualified tax professional for your specific situation.
No. Retirement Lab is a financial calculator. All results are hypothetical projections based on your inputs and assumptions.
The full simulation engine is free for everyone. Pro ($10/month) adds planning features: multi-country sweep, dual-person modeling, custom portfolio allocation, withdrawal strategies, PDF export, and more.
Anonymous session data is retained for 7 days. Signed-in user data is stored indefinitely and only accessible to you. We do not sell, share, or use your financial data for any purpose other than running your simulations.