Asset Projection
Results Summary
Detailed Data by Age
| Age | Aggressive | Progressive | Conservative |
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The Escape Velocity Simulator is a sophisticated financial planning tool that helps you understand when you can achieve financial independence (FI) and retire early. It uses Monte Carlo simulations to model different investment strategies and market scenarios, giving you a realistic picture of your path to financial freedom.
Unlike simple calculators, this accounts for market volatility, inflation, taxes, and real-world uncertainties.
Compare aggressive, conservative, and progressive investment approaches to find what works for you.
Understand both traditional "10-Year EV" and probabilistic "Sustained EV" for comprehensive planning.
See your wealth trajectory with confidence bands showing best-case, worst-case, and realistic scenarios.
Start with your current total capital, gross annual income, and age. These are your baseline financial inputs.
Define your target annual lifestyle cost (in today's dollars) and safe withdrawal rate. The tool automatically calculates your required savings rate.
Adjust expected returns and volatility for aggressive and conservative portfolios, or change the switch age for progressive strategy.
Click "Run Simulation" to see your results. Toggle between retirement strategies and explore detailed data by age.
The earliest age when your portfolio can sustain your lifestyle for 10 years using conservative (p30) returns, assuming no further income.
The earliest age with ≥95% confidence your portfolio will last until age 95, accounting for market volatility and inflation.
The later of the two EV ages - the most conservative retirement target that ensures financial security.
Runs thousands of scenarios with random market returns to show the probability distribution of outcomes.
High-growth, high-volatility portfolio focused on maximizing returns. Best for long time horizons and high risk tolerance.
Default: 10% avg return, 16% volatility
Glide path strategy: aggressive when young, conservative when older. Automatically adjusts risk as you approach retirement.
Switches from aggressive to conservative at age 50
Capital preservation focused with lower volatility. Suitable for those closer to retirement or with low risk tolerance.
Default: 5% avg return, 6.5% volatility
Use the "Conservative EV" age as your primary target. It's the most reliable indicator of when you can safely retire.
Toggle between "Retire at Conservative EV" and "Work until 65" to see how early retirement affects your wealth trajectory.
Switch to logarithmic scale to better visualize long-term growth patterns and compare strategies over decades.
Use the CSV export feature to analyze your results in detail or share with financial advisors.
| Age | Aggressive | Progressive | Conservative |
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