Important information regarding financial modeling and risk.
This simulator utilizes advanced stochastic modeling to estimate potential future portfolio values. It does not account for specific local taxes, brokerage commissions, or individual risk tolerances. Market volatility is inherently unpredictable; actual results will vary significantly from these projections.
By utilizing this tool, you acknowledge that Retirement Lab provides informational projections, not financial advice. The developers are not liable for financial decisions or losses resulting from the use of this software. Commercial redistribution or reverse-engineering of the calculation engine is strictly prohibited.
Retirement planning involves numerous assumptions about future economic conditions, market returns, inflation, and personal circumstances. This tool models these uncertainties through Monte Carlo simulations to show a range of probabilities, but results should never be interpreted as guaranteed forecasts.
Past performance does not guarantee future results. The historical volatility used in our simulations is based on long-term data, but individual investors may experience significantly different results. The value of investments can fluctuate, and you may lose some or all of your principal.
Retirement Lab is a digital tool, not a registered investment advisor. This software is not a substitute for professional financial, tax, or legal advice. Please consult with a Certified Financial Planner (CFP) or tax professional before making significant life decisions.
We make no warranties regarding the accuracy or completeness of this tool. We are not responsible for errors, omissions, or financial losses resulting from the use of this calculator. For deep dives into our protocols, please reach out to us at contact@retirement-lab.com