Index Fund Growth — QRNG-seeded (demo)

Entropy: not initialized

How to use this

Enter your starting balance, monthly contribution, horizon, and asset mix (or choose a preset).
Set fees & inflation. Toggle Real dollars to subtract inflation from results.
Optionally add a goal to see the probability of reaching it.
Click Start. For this demo, we show QRNG-like receipts but expand locally for speed.

Starting balance (USD)

Monthly contribution (USD)

Horizon (years)

Goal (optional, USD)

Asset mix (Stocks / Bonds)

Bonds 20%Stocks 80%

Fees (bps / yr)

Inflation (% / yr)

Dollars

Low %

Median %

High %

Paths

Chunk size (batch)

QRNG KiB consumed: 0.0

Policy: Demo shows a QRNG-style receipt; randomness is expanded locally for speed.

P5 Ending (real)

—

P50 Ending (real)

—

P95 Ending (real)

—

Prob. to Goal

—

Recov. Time (years, median)

—

Ending Balance Distribution

Worst Losses (across all paths)

Worst 1-Year Loss

—

Worst 2-Year Loss

—

Audit Snapshot

{
  "inputs": {
    "startBalance": 10000,
    "monthlyContrib": 500,
    "years": 30,
    "wStocksPct": 80,
    "feesBps": 10,
    "inflPct": 2.5,
    "useReal": true,
    "goal": 500000,
    "pLow": 5,
    "pMed": 50,
    "pHigh": 95,
    "paths": 50000,
    "chunkSize": 512,
    "model": {
      "muStocks": 0.07,
      "sigStocks": 0.18,
      "muBonds": 0.035,
      "sigBonds": 0.06,
      "rho": 0.15
    }
  },
  "outputs": {
    "pLowVal": null,
    "pMedVal": null,
    "pHighVal": null,
    "probToGoal": null,
    "worst1y": null,
    "worst2y": null,
    "recoveryYears": null
  },
  "receipt": null,
  "kibConsumed": 0,
  "timestamp": "2025-09-23T11:19:47.660Z"
}

Export