RetireBlueprint Pro — Interactive Stress Tester

Retirement Intelligence · Stress Testing

What happens to your plan
when markets crash?

Your Dashboard assumes a smooth 7% every year. Real markets don't work that way — so this page runs your actual saved plan through bad markets in four ways: a crash you design, real crashes from history, every crash level at once, and 1,000 random futures. Nothing here changes your saved plan.

Pick a Crash Scenario

Choose a preset (2008, stagflation, COVID) or dial in your own with the sliders below.

Your Plan Fingerprint — Confirm This Is Your Data

Portfolio

—

Starting

Legacy Goal

—

Target end

Base Ending

—

Matches Dashboard ✓

Plan Through

—

Both partners

Must-Pay Floor

—

base + health + debt

These are your real saved plan numbers, pulled straight from your sheet — give them a quick look to confirm this is your data before you test.

Why Year 1 is the worst timing: A crash early in retirement forces you to sell at the bottom while withdrawing — those shares never recover. The same crash in Year 20 barely dents your plan because you had 20 years of growth first.

TEST 3 · LONGEVITY

Does your money outlast you?

Your plan assumes an age you'll live to — but nobody knows that number. This runs your exact plan at every age from your planned one out toward 110, so you can see how long your money truly lasts. It's the one risk a market crash can't warn you about.

Waiting for your saved plan…
This fills in with your real numbers on the live site.

The Monte Carlo below is independent of everything above.

The sliders up top — including the inflation slider — only shape the one crash scenario in the crash-test chart. The Monte Carlo ignores them completely: it builds its own 1,000 random futures and takes inflation from your saved plan. So to change the inflation the Monte Carlo uses, edit it on the Inputs page and reload — not with the slider here.

TEST 4 · MONTE CARLO

Monte Carlo Simulation

The scenarios above each test one specific crash you define. But which sequence of returns would you actually get in retirement? Monte Carlo answers that by running 1,000 randomized futures and counting how many your plan survives — giving you a true probability of success.

Reading this against your Dashboard: the average of these runs should land near your Master projection — a good sign it's using your real portfolio. But the median and success rate come in lower, on purpose — that gap is real-market volatility your smooth projection can't show. Plan around the median and the success rate, not the average: half of all futures are worse than the average.

How These Tests Differ

Crash Scenarios

Monte Carlo

How it works

You set the crash

Random each run

Output

1 outcome

1,000 outcomes

Tells you

"What if 2008 hits?"

% chance of success

vs Dashboard

More control

Most rigorous

After running: ✅ 90%+ Very strong · ⚠️ 75–89% Acceptable · ❌ Below 75% Needs adjustment

About these numbers: All 82 columns behind your plan are calculated fresh in your browser and checked line-by-line against your Google Sheet — and match it to the dollar, every column, every year of your plan. Your Google Sheet stays the official record.

Educational tool — not financial, tax, or legal advice. RetireBlueprint Pro provides general retirement-planning projections for personal use only. Markets are unpredictable and your actual results will differ. Always consult a licensed financial, tax, or legal professional before making major retirement decisions. © 2026 RetireBlueprint Pro