Monte Carlo savings planner uses block bootstrap to model one-year market risk

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DIVID.AI, which runs a web tool called DIVID Planner, describes how its one-year savings plan is built. Rather than compounding an average return, the model simulates 2,000 monthly market scenarios by resampling 21-day blocks from real price history, preserving how funds move together. Fixed seeds and quantile-based starting points keep plans stable when answers or data change. The user's income, bills, and random surprise expenses are then run through each path, with the emergency fund kept in savings. The founders stress that the output is an estimate from past prices rather than a forecast, and the tool is not financial advice.

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