Tools · FI Calculator · Monte Carlo
Financial Freedom — not a number, a distribution
Full SPY allocation · 4% safe withdrawal rule · 1,000 Monte Carlo paths layer 16% annualized volatility on top of the average return. The “expected case” is an illusion — what matters is the shape of the distribution.
① Your Inputs
Initial Investment
$
Lump-sum starting balance in SPY
Monthly Contribution
$/ mo
Nominal $ added each month (held flat)
Target Monthly Spend
$/ mo
In today's purchasing power · grown by inflation in the sim
Expected Case · Constant 10.0% Return
23.9yrs
25× annual spend
≈ $3.1M
≈ $3.1M
Monte Carlo · 1,000 Random Paths
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