RetirementOdds.com is a retirement-planning calculator that estimates how often a financial plan lasts through a chosen lifetime. Users enter facts about their household and assumptions about spending, inflation and investment returns. The result is expressed as a chance of success across simulated outcomes, rather than a promise that a particular retirement date or portfolio will work. The interface includes ages, retirement timing, a spouse's timeline, a US state of residence and a target amount to leave to heirs.
The calculator separates assumptions for US stocks, US bonds, international stocks and real estate. Historical presets are available, while custom return and volatility inputs let a user explore different expectations. It also supports setting particular returns for selected years with a chosen probability, making it possible to examine sequence-of-returns risk. The site describes randomizing investment returns across 1,000 trials and applying correlation between liquid asset classes. Charts cover net worth, spending, taxes and withdrawal rates.
Plans can be saved in browser local storage or downloaded as a file and restored later. Sample data provides a way to inspect the workflow before entering personal figures, and CSV downloads expose a sample run for closer review. The site describes itself as free, anonymous and donation-supported. RetirementOdds.com is useful for comparing assumptions and asking better planning questions, but the output depends on the inputs and model. It is not a forecast, a guarantee or individualized investment advice; users should check their own circumstances and seek qualified help where needed.
