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The Problem Most retirement calculators lie to you. They assume the market returns exactly 7% every year. But we all know that's not how it works — 2008 happened, 2020 happened, and markets are unpredictable. That's why financial advisors (who charge $300/hour) use Monte Carlo simulations instead. They run thousands of "what if" scenarios to show you the real probability you won't run out of money. We built that — and made it free.
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