Time-to-Goal Money Visualizer

by 100X Solutions

When Will I Reach My Money Goal?

See probabilities, not promises.

Scenarios • Simulations • Reality-based planning

Your Goal Details

Enter your financial goal information to see probability scenarios

1️⃣ GOAL DETAILS

2️⃣ CURRENT STATUS

3️⃣ INVESTMENT STYLE

4️⃣ OPTIONAL SETTINGS

Why Projections Fail

Understanding the limitations of single-point financial projections

Traditional financial planning often presents a single "most likely" scenario, but reality is far more complex. Markets are unpredictable, economic conditions change, and personal circumstances evolve.

Our Monte Carlo approach acknowledges this uncertainty by running thousands of scenarios, each with different market conditions. This reveals the range of possible outcomes and helps you plan for various possibilities.

Instead of false certainty, you get realistic expectations and the ability to prepare for different scenarios.

What Probability Really Means

Interpreting probability in financial planning

A 70% success probability doesn't mean you'll definitely succeed or fail. It means that in our simulations, 70% of the scenarios resulted in reaching your goal.

This probability helps you understand the risk level of your current plan. Higher probabilities suggest more confidence, while lower probabilities indicate you may want to adjust your strategy.

Remember: even with high probabilities, there's always a chance of different outcomes. Use this information to make informed decisions, not guarantees.

Frequently Asked Questions

Common questions about goal probability calculations

Is this investment advice?

No, this tool is for educational and planning purposes only. It uses historical data to illustrate possible outcomes but does not provide investment advice or guarantee future returns. Always consult with a qualified financial advisor for personalized advice.

Are returns guaranteed?

No returns are guaranteed. This tool shows probabilities based on historical data, but actual investment returns will vary and may be significantly different from historical patterns. Past performance does not guarantee future results.

How accurate is the Monte Carlo simulation?

Monte Carlo simulations provide probabilistic estimates based on historical market data and assumed statistical distributions. While statistically sound, they cannot predict future market conditions, black swan events, or individual investment performance.

Does this store my personal data?

No personal data is stored. All calculations are performed client-side in your browser using JavaScript. No information is transmitted to our servers or stored anywhere except temporarily in your browser's memory.

What investment styles are available?

We offer three investment styles: Very Conservative (bond-heavy for lower risk), Balanced (60% stocks/40% bonds for moderate risk), and Growth-Oriented (equity-heavy for higher risk/higher return potential). Each style uses different historical return assumptions.

Can I trust the historical data?

We use long-term historical market data to inform our probability calculations. However, historical performance doesn't guarantee future results, and market conditions may be different from the past. Use this as one input in your planning process.

Important Disclaimer

This tool uses historical data to illustrate possible outcomes. It does not predict or guarantee future returns. All investments carry risk, including the potential loss of principal. This is an educational tool only and should not be considered financial advice.

Key Points:

  • No personal data is stored - all calculations are client-side
  • Historical performance does not guarantee future results
  • Individual results may vary significantly from projections
  • Consult a qualified financial advisor for personalized advice