Monte Carlo at scale
Up to 10,000 simulation paths per run, modeled with geometric Brownian motion and asset correlation — the same math hedge funds use.
For iPhone
See your financial future, before it arrives.
Monte runs thousands of Monte Carlo simulations on your real portfolio to show the probability you'll hit your goals — retirement, a home, a sabbatical. No spreadsheets. No guesswork.
What it does
Real market data. Honest probabilities.
Monte takes your actual portfolio — tickers, contributions, withdrawals, time horizon — and stress-tests it against thousands of plausible futures.
Real ticker data
Pulls live prices and a decade of history for U.S. equities. Your AAPL is the real AAPL — not a generic stock average.
Economic scenarios
Overlay 2008-style crashes, stagflation, or a soft landing. See exactly how your plan holds up when the world doesn't cooperate.
Contributions & withdrawals
Model the full life cycle — saving in your 30s, drawing down in your 60s. Inflation-adjusted spending, Social Security, the works.
Compare plans side by side
Save scenarios. Tweak one variable — retire two years later, save 2% more — and see the probability shift in real time.
Private by design
Your portfolio stays on your device. No accounts to create, no brokerage logins, no data sold. Ever.
How it works
Three steps. One honest answer.
From "I think I'm on track" to "I have a 78% probability of success" in about five minutes.
Build your portfolio
Add real tickers, set weights, enter your current balance. Monte pulls in price history and sector data automatically.
Tell Monte your goal
Retirement age, target spending, time horizon, expected contributions. The clearer the goal, the sharper the answer.
See the probability
Thousands of futures, summarized into one number — plus the percentile bands, median balance, and worst-case paths.
Pricing
Start free. Upgrade when you need more.
One free tier with everything most people need. Pro and Max unlock deeper analysis for serious planners.
Free
$0
- One saved portfolio
- Up to 1,000 simulation paths
- Real ticker data
- Core probability results
Most popular
Pro
$4.99 / month
- Unlimited portfolios
- Up to 10,000 simulation paths
- Economic scenario overlays
- Side-by-side plan comparison
- Historical replay mode
Max
$9.99 / month
- Everything in Pro
- Custom asset correlation models
- Tax-aware withdrawal modeling
- Priority support
Ready to know your odds?
Monte is free to download. Run your first simulation in under five minutes.
Download on the App Store