quantcalc.app

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      "name": "QuantCalc",
      "alternateName": "QuantCalc Monte Carlo Retirement Calculator",
      "url": "https://quantcalc.app/",
      "description": "Browser-based Monte Carlo retirement planning tool. Up to 10,000 simulations using forward-looking capital market expectations from published sources. Free. No account required.",
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        "@type": "Organization",
        "name": "QuantCalc",
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      "@context": "https://schema.org",
      "@type": "SoftwareApplication",
      "name": "QuantCalc",
      "applicationCategory": "FinanceApplication",
      "operatingSystem": "Web browser",
      "url": "https://quantcalc.app/",
      "description": "Monte Carlo retirement planning calculator with forward-looking capital market expectations, stochastic inflation modeling, life events simulation, 51-jurisdiction state tax modeling, portfolio optimization, and crisis stress testing.",
      "offers": [
        {
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          "price": "0",
          "priceCurrency": "USD",
          "description": "Free tier: 3 simulations per day"
        },
        {
          "@type": "Offer",
          "price": "49",
          "priceCurrency": "USD",
          "description": "Personal PRO: 10,000 simulations, optimizer, PDF export — lifetime license"
        }
      ],
      "featureList": [
        "10,000 Monte Carlo simulations with correlated asset returns",
        "Forward-looking forecasts from 6 published sources",
        "Stochastic inflation modeling (4 methods)",
        "Life events modeling (up to 20 events)",
        "51-jurisdiction state income tax",
        "IRMAA two-factor scaling with decoupled Medicare inflation",
        "Spouse death stochastic modeling (Gompertz)",
        "Crisis stress testing (8 named scenarios)",
        "Roth conversion optimizer",
        "Monte Carlo success-rate optimizer",
        "PDF report export",
        "ACA cliff calculator"
      ],
      "author": {
        "@type": "Organization",
        "name": "QuantCalc"
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      "mainEntity": [
        {
          "@type": "Question",
          "name": "How is QuantCalc different from other retirement calculators?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "QuantCalc uses forward-looking return forecasts from publicly available research — not just historical averages. It runs up to 10,000 Monte Carlo simulations with correlated asset returns, models life events (home purchases, inheritance, college) across all scenarios, includes 51-state tax modeling with ACA cliff and IRMAA awareness, and offers a Monte Carlo optimizer that searches allocations to maximize retirement success rate."
          }
        },
        {
          "@type": "Question",
          "name": "Is QuantCalc affiliated with BlackRock, JPMorgan, or Vanguard?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "No. QuantCalc is an independent educational tool. It is not affiliated with, endorsed by, or sponsored by any asset management firm. Return assumptions are derived from publicly available research publications."
          }
        },
        {
          "@type": "Question",
          "name": "Is QuantCalc free?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes. The free tier includes 3 Monte Carlo simulations per day (100 sims each), all core visualizations, and forward-looking forecast data. QuantCalc PRO ($49 lifetime, launch price) adds 10,000 simulations per run, portfolio optimization, and PDF export."
          }
        },
        {
          "@type": "Question",
          "name": "How do I know the numbers QuantCalc produces are right?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Every assumption traces to a source. CME return data is published by BlackRock, J.P. Morgan, Vanguard, GMO, Schwab, and Invesco — links to each publisher are in the app's Market Assumptions panel. The full methodology page documents every formula (Monte Carlo, Cholesky decomposition, Sobol QMC, SLSQP optimizer, tax modeling) with citations. Every result includes an Assumptions Used expander listing the exact inputs that produced it."
          }
        },
        {
          "@type": "Question",
          "name": "Can I model life events like home purchases or college expenses in QuantCalc?",
          "acceptedAnswer": {
            "@type": "Answer",
            "text": "Yes. QuantCalc lets you add up to 20 life events — home purchases, college tuition, inheritance, income changes, healthcare costs, and more. Each event is stress-tested across all Monte Carlo scenarios with per-event inflation categories (general CPI, medical, education, housing, or fixed nominal). One-time and recurring events are supported."
          }
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