Major Update: Monte Carlo Simulations & Advanced Retirement Planning! #40
GiuseppeDM98
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Hi everyone!
I am incredibly excited to share the latest update, which brings a professional-grade planning tool to the project: Monte Carlo Simulations.
If you are planning for FIRE (Financial Independence, Retire Early), relying on a simple "7% average return" can be risky. Life doesn't move in a straight line, and neither do markets.
What is Monte Carlo Simulation?
Instead of guessing one outcome, this new engine runs 10,000+ simulations based on historical market volatility. It helps you answer the most important question: "What is the probability that I will reach my financial goals?"
Key Highlights:
Success Probability: See the likelihood of reaching your FIRE number across different time horizons.
Visualize Risk: Compare optimistic, realistic, and conservative scenarios (10th to 90th percentiles).
Personalized Data: You can now choose between using standard market assumptions or your own portfolio's historical performance (if you have 24+ months of data).
Real-Time: Tweak your expected returns and volatility, and see the simulation update instantly.
Better Data for Testing
To help you explore these simulations without messing up your real portfolio, I’ve completely overhauled the Test/Dummy Data system:
Realistic Scenarios: Generated test data now behaves like real assets (e.g., Crypto is volatile, Bonds are stable) to give you meaningful simulation results.
One-Click Cleanup: You can easily generate dummy data to test the features and then delete it all in a single click.
Under the Hood
For the tech-savvy users: these simulations run entirely client-side using Web Workers, so your data stays private and the UI remains buttery smooth, calculating 10,000 scenarios in just a few seconds.
How to get it?
You can find the full changelog and technical details in the latest release.
I want your feedback!
This is a complex feature, and I want to make sure it fits your needs.
Does the "Success Probability" feel accurate to you?
Are the default market parameters useful?
Give it a try and let me know what you think in the comments below!
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