Net worth by account
Last updated November 3, 2026
This chart follows one simulated retirement, the one whose ending balance is closest to the median. Each layer is a type of account, so you can see which money gets used when.
Unlike the chart above it, this one follows a single simulated retirement from today to the end of the plan. Every rise and fall you see happened in that one retirement, instead of being put together from thousands.
That's why the two charts can disagree. This retirement can dip below the middle line of the chart above in one year and recover later. Neither chart is wrong. They answer different questions.
The toggle switches the returns behind it. Steady returns uses one fixed return every year. Monte Carlo replays past market history, so the line is bumpier. Those swings come from history, not from an error.
We leave 529 balances out. That money is set aside for one child's education, so it isn't household net worth.