Retirement planning for the market that actually exists
Most retirement calculators assume markets follow a bell curve - which systematically underestimates tail risk, exactly when it matters most. Retirement Lab uses fat-tail distributions instead, so extreme years appear at roughly the rate real markets produce them. Correlated asset returns, multiple withdrawal strategies, historical backtesting and black swan events at specific ages. 1,000 scenarios free. Built by a solo developer who got tired of optimistic retirement math.
