Sentinel AI Insight
Click for AnalysisSystem Ready. Please adjust inputs and click "Run Simulation".
Deterministic Model
This projection assumes market conditions and your income/expenses follow stable, average trends without major shocks. It serves as your "Baseline" or expected scenario.
Wealth Trajectory
DeterministicIncome vs Expense
CashflowHow this works
The Decision Engine analyzes data from 1,000 simulation runs. It checks if your funds last until age 90, evaluates your dependency on property sales, and stress-tests your portfolio against inflation.
Sustainability Analysis
10 Key Questions analyzed by the Sentinel Engine
Running Simulations...
Profile & Income
Monthly Net Income
Savings & Assets
Liquid Assets
Illiquid Assets
Debt & Expenses
Existing Commitments
Market Assumptions
What is Monte Carlo Simulation?
Unlike a standard projection that assumes consistent returns (e.g., 5% every year), Monte Carlo runs 1,000 different future scenarios. It randomly simulates market crashes, high inflation years, and boom years to test if your plan survives "Bad Luck".
Stochastic Stress Test
1,000 ScenariosAgent-Based Modeling (ABM)
This simulation introduces "Agents" that act independently. A Health Agent might trigger a medical emergency, a Market Agent might cause a recession, and a Retiree Agent makes spending decisions. This generates a realistic "Life Story" timeline.
Life Event Simulation Log
Agent Status
- Retiree: Spending Logic Active
- Market: Volatility Active
- Health: Shock Risk Active
Depletion Age
Cost-Benefit Analysis (CBA)
This tool compares two strategic choices: Keeping an investment property for rental income versus Selling it at age 60 to inject a large lump sum of cash into your savings. It helps you decide which path maximizes your Net Worth.
Strategy: Property Liquidation
Analysis of selling investment property at Age 60 to boost liquid cash vs keeping it for rental income.
| Metric | Baseline (Keep) | Strategy (Sell @ 60) | Net Impact |
|---|---|---|---|
| Net Worth at 85 | -- | -- | -- |