Prota Planejamento de Aposentadoria

Model accumulation, fixed income, equities, inflation and withdrawals together — with Monte Carlo uncertainty.

Current situation

Where you are today.

Current age

Desired retirement age

Planning age (longevity)

Current invested assets

Monthly contribution

Annual contribution increase (%)

Currency

Asset allocation

Must add up to 100%.

Fixed income %

Equities %

Cash %

Total: 100%

Fixed return %/yr

Equity return %/yr

Cash return %/yr

Fixed volatility %

Equity volatility %

Cash volatility %

Annual inflation %

Retirement

Leave spending at 0 to find your maximum sustainable spend instead.

Desired monthly retirement spending (today's money)

0 = solve for maximum sustainable spending instead.

Target success probability (%)

Monte Carlo paths

Fixed-income positions & FGC

Add positions to check FGC coverage per institution/conglomerate.

FGC safety buffer (%)

Alerts trigger before the real R$250k limit, not at it.

Portfolio composition at retirement

Contributed (initial + monthly)—

Investment growth—

Median portfolio at retirement—

Wealth trajectory (Monte Carlo)

Median outcome with 10–90% and 25–75% ranges, from today to your planning age.

Median 10–90% range 25–75% range

Year-by-year projection

Median portfolio value and uncertainty range at each age, from the same simulation as the chart above.

FGC allocation

Projected exposure per institution/conglomerate against your safety buffer.

Simulation only. Return, volatility and inflation assumptions are set by you and are not predictions. Past or hypothetical results do not guarantee future performance. FGC parameters are centralized in this tool's configuration and should be checked against the official FGC rules before relying on them.