Free browser-based financial calculators

Calculate retirement income, portfolio withdrawals, and Monte Carlo outcomes.

ML Stats helps you model retirement scenarios with taxable accounts, 401k, IRA, Roth IRA, cash reserves, pensions, Social Security, recurring income, expenses, one-time events, inflation, DRIP, rebalancing, and account-level withdrawal rules.

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Educational tools only. Not financial, tax, legal, or investment advice. Investment Disclaimer

Full cash-flow forecast See income, expenses, withdrawals, shortfalls, and net worth by year.

Account-level modeling Model cash, taxable brokerage, 401k, IRA, Roth IRA, pensions, and custom draw timing.

Portfolio engine Test allocations, growth, yields, DRIP, rebalancing, and sustainable monthly income.

Monte Carlo analysis Stress-test scenarios with adjustable inflation, growth, and dividend yield volatility.

Ideal for

People calculating retirement scenarios without a black box.

DIY investors
Early retirees and FIRE users
Pension recipients
Dividend income investors
Retirement withdrawal calculations
Social Security claiming strategy

Questions ML Stats can help answer

Turn "what if?" into a scenario you can inspect.

Can I retire earlier?
Will my portfolio support my spending?
When should I claim Social Security?
How much can I safely withdraw?
What happens if inflation stays high?
How much cash do I want to model?

Retirement Calculator

Build a scenario that looks like real life.

Most retirement calculators ask for one portfolio balance and one spending number. ML Stats lets you map the moving parts: income sources, spending targets, account rules, future events, taxable and retirement accounts, and the timing of withdrawals.

Annual projections

Review income sources, expenses, spending cash, shortfalls, investment income, withdrawals, and ending net worth across the full calculation horizon.

Open Calculator

Guided setup wizard

Enter scenario details step by step. Your data stays in your browser local storage and opens in the advanced calculator when complete.

Start Scenario Wizard

Retirement Calculator Monte Carlo analysis

Probability of success

Use Monte Carlo analysis to estimate funded-income probability, shortfall probability, median ending net worth, and P10/P90 outcome ranges.

Run Monte Carlo

Income, expenses, and accounts

Model the details that change the answer.

Retirement calculations depend on timing. ML Stats supports optional start and end dates for recurring items, one-time events, draw-enabled cash accounts, Social Security COLA, pension COLA, and account-specific withdrawal settings.

Multiple income sources

Add monthly income, one-time income, Social Security, pension streams, and optional end dates.

Recurring and one-time expenses

Track monthly bills, monthly cash spending, annual expenses, inflation toggles, and future one-time costs.

Account summary

Separate cash, taxable brokerage, 401k, IRA, Roth IRA, and pension inputs so withdrawal rules can match each account.

Detailed account controls

Set allocation, withdrawal mode, sale order, rebalancing, DRIP, withdrawal start age, and bucket timing per investment account.

Portfolio Modeler

Test income sustainability before it becomes a retirement decision.

Use the Portfolio Modeler for a focused look at monthly income, allocation weights, dividend yield, annual growth, DRIP, rebalancing cadence, principal change, total shortfall, and Monte Carlo outcomes.

Portfolio Modeler income sustainability projection

Portfolio income modeling with Monte Carlo

Start with broad asset class presets, then customize each scenario's allocation, growth, yield, and projected value.

Open Portfolio Modeler

Designed for review

Use it on desktop, mobile, dark mode, or light mode.

The financial tools are responsive, theme-aware, and designed for repeated scenario review. Saved inputs and cached results stay in your browser local storage, so you can return to your latest scenario without creating an account.