Loading ...
Best Retirement Calculator Logo nTrajectory
Profile for:
Monte Carlo Analysis
Historical Analysis
Show Your Progress
Show Items / Ranges
Show in "Tomorrow's Dollars"
Birth Year

To get started, we need to know your age — you look great, btw!

Next >
< Back
Trajectory for is
Progress is at $
Last Update:
Rels Income Name Annual
% Tax Growth
Start Age End Age X retirement calculator exclusion nameObject itemProperties
Add Income
ID Rels Name / Group Amount Spending Type Growth
Start Age End Age X Expense Group nameObject itemProperties
Add Expense
ID Rels Account Name % Growth Starting Balance Contrib. / yr. % Tax Start Age End Age X contribJSON taxJSON nameObjectJSON itemPropertiesJSON Trajectory Balance Actual Balance
Add Account
Click on a row to edit.

Request Data Review

Get a live review of all your Income, Expense & Account items to ensure you're best leveraging OnTrajectory — sessions are $199 for the first hour, $49 for each 1/2 hour increment thereafter.

24-hour Product Support

Scenario Notes

"...the best user interfaces available in the retirement calculator world."
— TIME Magazine
Success means your Trajectory ends above $0 Calculate Success %
Final Trajectory
Final Trajectory based on Progress entered Projected Progress
The maximum Trajectory Amount achieved Peak Assets
Metrics for Annual Cashflow: Monthly Cashflow: Income Saved: Annual Gains: Annual Taxes: 4% Spending: Progress Growth
close Retirement Calculator
close calculator
Previous Financial Planning Tip Next Financial Planning Tip

Read 'What's NEW in OT?'

Automatic Income and Gains Tax Rate Calculations

Modeling Dividend Yield and Long Term Gains

Video Tutorials

close Retirement Calculator
$ $ $
close Retirement Calculator
Single Married

Analysis Settings apply only to Historical / Monte Carlo Analysis which are run through the Views menu located in the top toolbar. For more information, see Guide 9. Monte Carlo & Historical Analysis

Calculation & Data Modeling Options (scenario-level)
User Interface Options (universal across scenarios)
Tax Adjustment is a positive or negative adjustment to tax rate if "Automatically Calculate Tax Rates" is selected. Rate is calculated based on Tax Brackets, as displayed below.
From 0 to 9525: 10%
From 0 to 9525: 12%
From 0 to 9525: 22%
From 0 to 9525: 24%
From 0 to 9525: 32%
From 0 to 9525: 35%
From 0 to 9525: 37%
From 0 to 38600: 0%
From 0 to 38600: 15%
From 0 to 38600: 20%
Change Email
Change Password
close Retirement Calculator

You have reached an expiration of your PowerPlan.
Please subscribe to our PowerPlan to update Incomes, Expenses, Accounts, Scenarios, Goals or Progress.


Analysis Options

Portfolio Mix: Defines the percentage of each investment type in your portfolio for Monte Carlo (Historical Input Data) and all Historical analyses. Annual return data is taken from a variety of sources:

  • Stocks data - based on S&P 500 Index and MSCI US Broad Market Index,
  • Bonds data - based on S&P High-Grade Corporate Index and Lehman Aggregate Bond Index,
  • Cash data - based on Citigroup 3-Month Treasury Bill Index.

Monte Carlo Simulation — Historical Input Data:
For each year in your Trajectory, a set of growth/inflation rates is randomly chosen based either on the defined years (Historical Input Data) or define parameters (Parameterized Input Data). The process is repeated multiple times based on the "Total Runs" value.

Historical Simulation:
For each year in your Trajectory, historical return rates are used beginning with 1928, by default. For example, if your Trajectory spans a 50-year period, returns from 1928 to 1978 are used. The process is repeated for each year there is data, meaning we also simulate 1929-1979, 1930-1980, 1931-1981, etc...

The following results are then displayed:

  • All runs of your Trajectory using the historical values.
  • A thick yellow line that represents the particular historical run that begins with the designated Start Year.
close Financial Planning
close Retirement Calculator
OnTrajectory © 2018 | Security & Legal - Privacy Policy
close Retirement Calculator

Scenario Name:

Close Window
close window

Publish Scenario

"Publishing" makes a COPY of this scenario available to all OnTrajectory PowerPlan users:

Publish Scenario as:

All published scenarios must be approved by OnTrajectory (typically within 24-hours).

This scenario has already been published, re-publishing will update with current data.

close Budget Calculator

Are you sure you want to delete this scenario? All the data related to this scenario will be removed.

* Enter details of your loan / mortgage
to calculate equity growth.
Enter Name and Birth Year for the item's owner
— such as your spouse
Do Not Inflate Contribution
Dividend Yield** (optional): %
**3% is about average. If blank, all annual gains are taxed as income.
close financial planner
close financial modeling

100 Reward Points = 1 FREE Month of PowerPlan

Current Point Balance:

Points to Next FREE Month:

Redeem 100 Reward Points
*Rewards marked with an asterisk (such as "Referral Sign-up") may be earned mulitiple times.
*Rewards marked with an asterisk (such as "Referral Sign-up") may be earned mulitiple times.

Each referral that registers with OnTrajectory earns you 100 Reward Points — that's enough for a FREE month of our PowerPlan (limit 12).

close inflation converter

Inflation Conversion Calculator
— Today to Tomorrow Dollars

Enter amount in one field and press 'Convert'

Regular Calculator

close financial modeling

Grouped Expenses

close retirement estimator

Info & Warnings List

              Individual Account Trajectories

              close window

              Consolidated PDF Report
              (select sections to include)

              Include TRAJECTORY Graph
              Include INCOME Items
              Include INCOME Graph
              Include INCOME Output Data
              Include EXPENSE Items
              Include EXPENSE Graph
              Include EXPENSE Output Data
              Include ACCOUNT Items
              Include ACCOUNT Graph
              Include ACCOUNT Output Data
              Include GRAND-TOTAL Output Data

              May take up to 10 seconds to load.
              Please turn off popup blockers if no report appears.

              close planning tool

              close calculator

              You currently save about
              $0 per Month, aftertaxes.