Tool 107 · Cat-10 · Personal Finance

Monte Carlo FIRE Trajectory Simulator

Run 1,000 market scenarios in your browser to find the true probability your retirement portfolio survives. Box-Muller parametric Monte Carlo — not a linear calculator. Zero API. Zero PII. No sign-up.

Educational Use Only
This tool is for educational and planning purposes only. It does not constitute financial advice. Past return distributions do not guarantee future results. Consult a qualified financial advisor before making retirement or investment decisions.

Module 1 · Inputs

Current Portfolio Value ($)

Annual Contribution ($ — negative = drawdown)

Planned Retirement Spend ($/year, today's $)

Current Age

Target Retirement Age

Years to Model After Retirement

Inflation Assumption (%)

Social Security / Pension ($/year)

Asset Allocation (must sum to 100%)

Stocks70%

Bonds25%

Cash5%

Allocation must sum to 100%. Currently: 100%

Enable Sequence of Returns Risk overlay (worst 5-year crash in first 5 retirement years)

Median Final Portfolio

—

10th Percentile (Downside)

—

90th Percentile (Upside)

—

Simulations Failed

—

Probability Cone — Portfolio Value Over Retirement Horizon

Save & Share Scenario

Your Scenario Code

Load a Scenario Code

This code contains only numbers — no personal data. Text it to yourself, share with a financial advisor, or reload it on any device.