what is left at the end

It shows you the whole spread of endings, not one number.

A thousand runs drawn from history, and where each one ends. The chart is a histogram: how many runs ended near each amount, with the steady-return path marked for comparison.

You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.

Open the planner Type in one paycheck. About three minutes, in the browser.

Slide 1 of 6: It shows you the whole spread of endings, not one number.

Slide 2 of 6: A thousand endings, and where the steady line sits among them.

Slide 3 of 6: Three ways to end the same plan.

Slide 4 of 6: The tall bars are what usually happens. The tail is what sometimes does.

Slide 5 of 6: One number hides the shape. The shape is what you plan with.

Slide 6 of 6: Save this for the day a calculator gives you a single ending.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: Monte Carlo, block bootstrap from Shiller 1871-2026, seed fixed. Plan: $65,000 at 25, retiring at 65 on $55,000 a year.; Engine output: backtest across 81 start years; Monte Carlo, 1,000 runs, 98.4% finished with money..

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