Quantora · Desk

Monte Carlo Wealth Simulator

One "average" projection hides the real story. Quantora simulates thousands of possible market paths - each a random walk with your expected return and volatility - to show the full range of where your money could land, and the odds of hitting your goal.

Starting $

Annual contribution $

Years

Expected return %

Volatility %

Goal $ (optional)

Each simulated path grows your balance month by month using a geometric Brownian motion model: a steady drift from your expected return, plus random shocks scaled by volatility, with your contributions added along the way. Running thousands of paths produces a distribution of outcomes. The shaded bands show the middle 50% (25th-75th percentile) and the 5th-95th percentile range; the line is the median path. The probability of goal is simply the share of simulations that finished at or above your target - a far more honest planning number than a single deterministic forecast. Higher volatility widens the cone dramatically, which is why risk, not just average return, drives real-world outcomes.

A model, not a forecast. Real returns are not normally distributed, sequence-of-returns risk and fat tails matter, and inflation/taxes/fees are not modeled here. Educational tool only - not investment advice. Math from Quantora's verified engine library.