Monte Carlo goal projections (Premium+)
Every long-horizon goal (retirement, house down-payment, education fund) runs a full Monte Carlo simulation against your current balance, monthly contribution, deadline, and inflation assumption. Instead of pretending markets return exactly one number, Pennifi simulates thousands of possible market paths and reports the probability you hit your target — plus 10th / 50th / 90th percentile outcomes, so you see the realistic range not a fantasy line. Trade-offs (retire two years later, add $100/mo, cut the target 10%) recompute the distribution instantly.