# Simply Money Retirement Stress Test™
**Stress Test Your Retirement Before Retirement Stress Tests You.**
Most retirement calculators assume everything goes right.
The Simply Money Retirement Stress Test™ was built to answer a much more important question:
**What happens if things don't?**
This powerful retirement planning spreadsheet combines retirement forecasting, Monte Carlo simulations, income planning, and real-world market stress testing into one easy-to-use tool.
### Features Included
✅ 500 Monte Carlo Simulations
✅ Retirement Confidence Score
✅ Conservative, Expected, and Optimistic Outcomes
✅ Inflation-Adjusted Retirement Planning
✅ Social Security Modeling (2 Benefits)
✅ Pension Income Modeling (2 Pensions)
✅ Annuity Income Modeling (2 Annuities)
✅ Dividend Income Forecasting
✅ Dividend Growth Forecasting
✅ Portfolio Withdrawal Analysis
✅ First Failure Age & Median Failure Age Tracking
### Exclusive Market Stress Testing
Test your retirement plan against challenging market conditions including:
📉 Bad First Year
📉 Bad First 3 Years
📉 Bad First 5 Years
📉 2008 Repeat
📉 Dot-Com Repeat
These scenarios help evaluate Sequence of Returns Risk—one of the biggest threats retirees face.
### Perfect For
✔ Retirees
✔ Near-Retirees
✔ Dividend Investors
✔ Income ETF Investors
✔ DIY Financial Planners
✔ Anyone wondering, "Will my money last?"
### What's Included
* Retirement Planning Spreadsheet
* Retirement Confidence Dashboard
* Monte Carlo Stress Testing Engine
* Market Stress Test Scenarios
* Detailed Instructions Guide
Whether you're planning retirement, already retired, or simply want greater confidence in your financial future, the Simply Money Retirement Stress Test™ helps you visualize how your retirement plan may perform under both normal and challenging market conditions.
**Run unlimited scenarios. Test different assumptions. Build confidence in your retirement plan.**
**Designed for Google Sheets**
*For personal use only. Redistribution, resale, sharing, copying for commercial purposes, or creation of derivative products is prohibited.*
*Due to the digital nature of this product, all sales are final and no refunds will be provided.*