cFIREsim 3.0

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FIREproof

Most Recent Data: Nov. 1, 2024

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Total Simulations Run: 36,909,959

Do you like cFIREsim? Then come to its sister-site, FIREproof
A premium and more advanced cFIREsim from the same creator. Featuring: Real Estate Modeling, ACA Healthcare & Premium Tax Credit optimization, Roth Conversion Optimizer, Bucket Strategy withdrawals, Cash Flow Priorities, and Tax-Aware Simulation (retirement account types, income tax, capital gains, FICA, RMDs, 72(t) SEPP). Try it free — no account needed.
  • Inputs Tab
  • Sim 1
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  • Sim 40
  • Sim 41
  • Sim 42
  • Sim 43
  • Sim 44
  • Sim 45
  • Sim 46
  • Sim 47
  • Sim 48
  • Sim 49
Basics

Retirement End Year must be after Retirement Year and greater than the current year.
Retirement Start Year must be greater than or equal to the current year.
Using Data Method: Single Simulation, you must choose a year far enough in the past to accommodate your Retirement Start/End Year

VPW Rate of Return must be > 0.

Retirement Year
Retirement End Year
Data Method
Single Simulation Start Year
Data Start Year
Data End Year
Growth Rate
%
Portfolio Value $:
Initial Yearly Spending
Spending Plan
Inflation Type
Inflation Flat Rate
%
Exceeds
%
Cut
%
Fall
%
Raise
%
Yearly Spending (% Of Portfolio):
Z-value:
Rate of Return:
Future Value:
Age At Retirement:
Weighted RMD (%):
Weighted CPI (%):
Cyclically Adjusted Earnings Yield Multiplier:
Constant Adjustment:
Spending Floor Type
Defined Value ($):
Spending Ceiling Type
Defined Value ($):
Investigation Options

Please note: Checking any of these boxes off will increase the simulation time.

Error: Investigate Spending can only be used on the "Inflation Adjusted" spending plan. And the Minimum Success Rate must be between 1-100

Minimum Success Rate:
%
Portfolio

Allocation percentages must add up to 100.

Equities
%
Bonds
%
Fees
%
Rebalance Annually
Gold
%
Cash
%
Growth Of Cash
%
Keep Allocation Constant

Target Allocation percentages must add up to 100.

Glide Path Start Year:
Target Equities
%
Target Bonds
%
Glide Path End Year:
Target Gold
%
Target Cash
%
Adjustments (Social Security, Pensions, Other Income/Expenses)
SS Payment Frequency
SS Annual Value ($):
SS Start Year:
SS End Year:
SS #2 Payment Frequency
SS Annual Value ($) #2:
SS Start Year #2:
SS End Year #2:

If an Adjustment Amount Per Year is selected, you must provide a valid Adjustment Start Year.

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling

Label
Amount Per Year $:
Adjustment Type
Freeze Value Until Withdrawal
Recurring
Inflation Adjusted
Start Year
End Year
Inflation Type
Inflation Percent
Adjust Spending Floor/Ceiling
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*cFIREsim is not actual financial advice. Use this site as an educational application.*