Crowdsourced Financial Independence and Early Retirement Simulator/Calculator

Getting Started

Welcome to cFIREsim!

cFIREsim is a simulator which tells you if you're ready for FIRE. It uses historical market data from 1871 to present to calculate how your portfolio would have fared throughout history. If the market does no worse than the great depression, 1970's stagflation, or the dotcom bust, will your money last in retirement?

Enter a few simple inputs to find out!

Retirement Year: When will you start withdrawing money from your retirement investments?
Retirement End Year: How long will you live?
Portfolio Amount: How much do you own currently?
Yearly Spending: How much do you expect to withdraw every year?

Hit the "Run Simulation" button, and enjoy your personalized output chart and graph!

Pay particular attention to your "Success Rate". This tells you how many simulations your portfolio survived, versus how many times it ran out.

Ready for more? cFIREsim can determine your portfolio success based on 80 individual variables, multiple types of inflation, multiple types of market returns, and graphically show you the results. Look for help topics along the way to learn more.

Timeframe

Simulation Start Year: Retirement Year: Retirement End Year:

Pre-retirement length = {{ data.retirementStartYear - data.simulationStartYear }} years.

Retirement length = {{ data.retirementEndYear - data.retirementStartYear }} years.

Total simulation length = {{ data.retirementEndYear - data.simulationStartYear }} years.

Data Options

Data To Use:

Investigate:

Run Simulation

Portfolio

Portfolio Value:

Initial Assets

Equities:

Bonds:

Gold:

Cash:

Fees/Drag:

Growth of Cash:

Annual Rebalancing Strategy:

Target Assets

Start Year:

End Year:

Equities:

Bonds:

Gold:

Cash:

Spending Plan

Withdrawal Strategy:

Initial Yearly Spending:

Yearly Spending (% of portfolio):

Floor Spending:

Never Less Than:

$ %

Ceiling Spending:

Never More Than:

$ %

Age of Retirement: Weighted RMD:

Weighted CPI:

Z Value (0.000 - 1.000):

Exceeds:

Cut:

Fall:

Raise:

Rate of Return:

Future Value:

Cyclically Adjusted Earnings Yield Multiplier:

Constant Adjustment:

RAA Target Portfolio Amount:

RAA Custom Portfolio Target:

Threshold for Spending Increase:

Spending Floor (Inflation Adjusted):

Spending Ceiling (Inflation Adjusted):

Income

Social Security

Annual Amount:

Start Year:

End Year:

Annual Spousal Amount:

Start Year:

End Year:

Pensions

Label	Annual Amount	Start Year	Inflation Adjusted	Inflation Type	Inflation Rate
	$				%

Other Income

Label	Annual Amount	Recurring	Start Year	End Year	Inflation Adjusted	Inflation Type	Inflation Rate
	$						%

Individual Expenses

Label	Annual Amount	Recurring	Start Year	End Year	Inflation Adjusted	Inflation Type	Inflation Rate
	$						%

Run Simulation

The Crowdsourced FIRE Simulator (cFIREsim) - Open Source

Welcome to cFIREsim!