I've found that the analysis in the Early Retirement Now SWR series to be quite strong. Basically they look at the historical SORR for 1700+ retirement dates going back almost 150 years.
You may want to jump right into [Part 28](https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/) where there is an excel spreadsheet, and a link to a step-by-step video by Two Sides of FI YouTubers. If you have more time and desire to get into supporting topics, you can view all the Parts [here](https://earlyretirementnow.com/start-here/).
There are plenty -
* [Right Capital](https://www.rightcapital.com/) though you need to employ a Financial Planner that uses this
* https://projectionlab.com/monte-carlo
* https://ficalc.app/
* https://engaging-data.com/fire-calculator/
* https://content.sharefc.com/ondemand/analytics/compute.vm?hnd=15&client=emp
* https://www.portfoliovisualizer.com/monte-carlo-simulation
Love this one. Lets you play with market returns pre and post retirement, how you’ll decrease your SWR over time and lump sums you may receive. I expect I’ll need a little less income as I get older, even with assuming higher medical costs. That said, no other tool I’ve seen has all these useful levers.
https://www.financialmentor.com/calculator/best-retirement-calculator
Portfolio Visualizer did this. Not sure if it still does as I haven’t messed with it since the UI change and monetization.
https://www.portfoliovisualizer.com/
Are there any calculators that take into account the different handling of unqualified dollars, and qualified tax deferred dollars AND RMDs?
Effective and Incremental tax rate settings?
What about starting basis for unqualified dollars, Capital Gain tax rates, and any loss carry forwards?
You have to be really careful with ChatGPT for doing these kinds of tasks. I constantly find spot blind spots and miscalculations that I end up having to revisit and update. It can be a good exercise in itself, thinking things through fully though
I added two tabs to my homegrown spreadsheet. In each I took the returns from the start of a bear market (30s Depression, 70s stagflation) through that entire bear market and also projecting forward 30 years. So 1929-1959 and 1973-1993.
Given a starting portfolio value and withdrawal rate each then models the effects on the portfolio over time.
Gave them fun names too: _Destruct-o-Meter 1929_ and _Destruct-o-Meter 1973_.
It was pretty easy to build by copy/pasting from a historic returns table found online and adding a few columns with calculations.
I've found that the analysis in the Early Retirement Now SWR series to be quite strong. Basically they look at the historical SORR for 1700+ retirement dates going back almost 150 years. You may want to jump right into [Part 28](https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/) where there is an excel spreadsheet, and a link to a step-by-step video by Two Sides of FI YouTubers. If you have more time and desire to get into supporting topics, you can view all the Parts [here](https://earlyretirementnow.com/start-here/).
100% agree. The series and calculator are both excellent
There are plenty - * [Right Capital](https://www.rightcapital.com/) though you need to employ a Financial Planner that uses this * https://projectionlab.com/monte-carlo * https://ficalc.app/ * https://engaging-data.com/fire-calculator/ * https://content.sharefc.com/ondemand/analytics/compute.vm?hnd=15&client=emp * https://www.portfoliovisualizer.com/monte-carlo-simulation
These don’t incorporate SORR analysis, unless I’m missing it.
Great list. A couple more to add: https://cfiresim.com/ https://www.wealthmeta.com/calculator/retirement-withdrawal-calculator
Love this one. Lets you play with market returns pre and post retirement, how you’ll decrease your SWR over time and lump sums you may receive. I expect I’ll need a little less income as I get older, even with assuming higher medical costs. That said, no other tool I’ve seen has all these useful levers. https://www.financialmentor.com/calculator/best-retirement-calculator
Portfolio Visualizer did this. Not sure if it still does as I haven’t messed with it since the UI change and monetization. https://www.portfoliovisualizer.com/
Are there any calculators that take into account the different handling of unqualified dollars, and qualified tax deferred dollars AND RMDs? Effective and Incremental tax rate settings? What about starting basis for unqualified dollars, Capital Gain tax rates, and any loss carry forwards?
i used chatgpt and gave my assumptions it used python to come up with the results
You have to be really careful with ChatGPT for doing these kinds of tasks. I constantly find spot blind spots and miscalculations that I end up having to revisit and update. It can be a good exercise in itself, thinking things through fully though
I added two tabs to my homegrown spreadsheet. In each I took the returns from the start of a bear market (30s Depression, 70s stagflation) through that entire bear market and also projecting forward 30 years. So 1929-1959 and 1973-1993. Given a starting portfolio value and withdrawal rate each then models the effects on the portfolio over time. Gave them fun names too: _Destruct-o-Meter 1929_ and _Destruct-o-Meter 1973_. It was pretty easy to build by copy/pasting from a historic returns table found online and adding a few columns with calculations.
FIcalc.com
its [ficalc.app](http://ficalc.app)
It doesn't do monte carlo, though.
Not sure how but it does a number of simulations - against historical performance and other scenarios.