Monte Carlo Simulation

Predicting the unpredictable: How to model 10,000 different futures for your wealth.

Proactive Risk Management

Past performance does not guarantee future results. Monte Carlo simulation takes your portfolio's current volatility and correlations to generate thousands of random potential outcomes, showing you the statistical likelihood of reaching your goal.

Sequence of Returns Risk

Average returns are a lie. If the market returns 7% on average, but drops 30% in your first year of retirement while you are withdrawing money, you might never recover. This is **Sequence of Returns Risk**. Monte Carlo simulation is the only way to model this risk effectively.

Success Rate

Percentage of simulations where your portfolio value remains above zero (or a target floor) at the end of the horizon.

Percentile Tiers

The 10th percentile shows a "worst-case" scenario, while the 90th shows an "optimistic" outcome. 50th is your median expectation.

Fat Tail Events

Normal market assumptions often ignore "Black Swans"—rare, catastrophic crashes. StressTest.pro uses fat-tail adjustment (Student-t distributions) in its Monte Carlo engine to ensure your worst-case projections are realistic, not just mathematical theory.

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Model your retirement, home purchase, or FIRE goal with the most advanced browser-based Monte Carlo engine.

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