Retirement planner
ZenTrader Calculator for passive-income planning.
Estimate how current capital, savings rate, expected return, volatility, inflation, and withdrawal rules shape your long-term income capacity.
Want the full probability range instead of one projection? Try the Monte Carlo calculator (2,000 simulations) →Portfolio at target 1×
EUR 0
EUR 0 in today's money
Passive income 1×
EUR 0
monthly, inflation-adjusted
Readiness MC · P50
0%
based on the median (P50) of 1,000 simulated outcomes
Projection path 1×
Nominal portfolio growth
25 years
One curve, one constant average return every year — a compound-interest formula, not a forecast. It shows a possible path, not the range of real outcomes.
Analysis vs. stochastics
Why the Monte Carlo numbers below are the more reliable read
The chart above is a 1× projection: a single curve from a closed-form compound-interest formula — pure Analysis, the same average return in every single year, no variation. Real portfolios don't grow that smoothly; returns swing year to year. The Monte Carlo simulation below is a stochastic model: it draws 1,000 independent, randomly fluctuating return paths from your volatility setting and reports the actual spread of outcomes (P10–P90) plus the real probability of hitting your goal. For retirement planning, that range and probability carry far more information than one average line.
Monte Carlo simulation MC · P50
Inflation-adjusted outcome range
0% target hit
Required capital
EUR 0
Planning gap
EUR 0
Simulation runs
1,000
P10 downside
EUR 0
P50 median
EUR 0
P90 upside
EUR 0
The simulation samples 1,000 annual return paths around the expected return using the volatility setting. P10 means 10% of simulated outcomes finish below that value.