Methodology

Simple Enough To Inspect

Portfolio Laboratory uses a simplified annual Monte Carlo model. Holdings are aggregated into a starting balance, annual contribution, weighted expected return, and weighted volatility.

What The Model Includes

• Manual or CSV-entered holdings.
• Tax bucket labels: taxable, traditional, Roth, and cash.
• Inflation-adjusted retirement spending.
• P10, P50, and P90 retirement and ending balances.
• Probability that the portfolio avoids depletion through end age.

What It Does Not Include Yet

• Brokerage linking, account sync, or server storage.
• Federal or state tax bracket calculations.
• Required minimum distributions or Social Security optimization.
• Personalized investment recommendations.

Results are provided as-is with no guarantees. Verify assumptions before relying on any estimate.