OnTarget™ Feature
Test your retirement plan against 153 years of real market history. See exactly how your plan would have performed through every crash, every boom, and every market cycle since 1871.
Start Your Plan →Most retirement calculators tell you a single number: "You'll have $2.1 million at retirement." But that assumes markets return exactly 7% every year. They don't.
What if you retire right before a crash? What if inflation spikes? What if the next decade looks like 2000-2010 instead of 2010-2020?
A single number gives false confidence. You need a range of outcomes.
Instead of guessing what markets might do, we test your plan against what markets actually did. Every month. Every year. Since 1871.
If your plan survives history's worst, you can retire with confidence.
See Your Success Rate →Success isn't binary. Some plans end with surplus. Others cut it close. ReadyAimRetire shows you the full distribution of outcomes across all historical scenarios.
See exactly where your plan falls – and adjust until you're comfortable with the risk.
Not everyone wants the same level of conservatism. With the dual-handle year range slider, you decide which historical periods to include in your test.
See exactly how many simulations run and which events are included.
Customize Your Test →Each simulation runs your complete retirement plan with full integration of taxes, benefits, and withdrawal strategies. This isn't a back-of-napkin estimate.
Add your portfolio, income sources, spending, and retirement goals.
We simulate your plan through 150+ historical market periods.
Get your success rate, outcome distribution, and ending balance ranges.
Tweak spending, timing, or allocation until you reach your target confidence.
Run your retirement plan through 153 years of market history and see your true probability of success.
Confidence comes from evidence, not assumptions.
