Step 9 of 15
Living Standard Monte Carlo
MyPlanner
Stress test your plan. See how market volatility impacts your actual living standard and affordable spending.
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⚙️ Advanced Assumptions
4% Conservative20% Aggressive
1% Low8% High
0% None6% High
2% Very Conservative7% Aggressive
Higher rate = more annual income but greater risk of depletion.
0% No Growth5% Fast Growth
Annual increase in household income until retirement.
Living Standard Risk
Uses Javascript to simulate 1,000 random market scenarios to determine how much you can sustainably spend in the worst, best, and average conditions.
📖 Methodology & Guidance
Inputs: Asset allocation (Stock/Bond mix) and spending target.
Outputs: Your “Living Standard Risk”. It runs 1,000 market paths and shows your safe spending in Bottom 10%, Average, and Top 10% market conditions.
How to use: If your target spending exceeds the Bottom 10% (Poor Market) outcome, you hold sequence-of-returns risk and should consider building a safer income floor or reducing stock exposure.