Plan how long your money could last in retirement.

What it models that a calculator does not

• German tax, in the right order Teilfreistellung before the Sparerpauschbetrag, and your oldest shares sold first. A sale is taxed in the month it happens; the allowance and the Vorabpauschale settle once per plan year. Monte Carlo keeps no lot book and settles on the average basis, and says so beside its result. An estimate, not a broker's assessment.
• A pension that starts later Bridge the years before it arrives, then let the portfolio fund only what remains of your target income.
• Risk you can place yourself Anchor a crash to plan start or to retirement, set its depth and recovery, and see the same plan without it beside it. Or run a thousand Monte Carlo paths around your assumed return, with the spread and the depletion risk stated rather than implied.
• Real history, and your own holdings Replay an actual month-by-month index series in euro, or project per-asset positions with their own cost basis, savings plans and one-off buys and sells.