Retirement Lab

About

Traditional retirement calculators typically assume market returns follow a bell curve, an approach that consistently downplays the likelihood of extreme events precisely when that risk is most critical. Retirement Lab employs fat tail distributions, ensuring that severe market years occur at a frequency aligned with real historical data. The platform models correlated asset returns, evaluates multiple withdrawal strategies, performs historical backtesting, and incorporates black swan events at particular ages. Access one thousand scenarios at no cost. This tool was created by an independent developer frustrated with overly optimistic retirement projections.