Retirement Lab
Retirement planning for the market that actually exists
Retirement Lab launched on April 8, 2026.
What it does
Most retirement calculators assume markets follow a bell curve - which systematically underestimates tail risk, exactly when it matters most. Retirement Lab uses fat-tail distributions instead, so extreme years appear at roughly the rate real markets produce them. Correlated asset returns, multiple withdrawal strategies, historical backtesting and black swan events at specific ages. 1,000 scenarios free. Built by a solo developer who got tired of optimistic retirement math.
Monte Carlo retirement simulator with fat-tail distributions, black swan events, historical stress testing (1928-2025), and dynamic spending rules. Run 1,000 scenarios in seconds for free.
The only retirement simulator built for extreme market risk, black swan events, and dynamic spending rules - not just Gaussian averages. Every model is grounded in peer-reviewed stochastic finance. Set your timeline, configure your portfolio allocation, and run thousands of scenarios in seconds. Heavy tails, correlated assets, dynamic spending rules, and discrete crash events - the tools serious planners need. Auto-calculated deltas that show exactly how much heavy tails, guardrails, and black swan events shift your success rate - so you know what each feature is worth. Model sudden market shocks - 2000, 2008, 2020 - as discrete jump events layered on top of normal volatility. Know your…from retirement-lab.com
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