cFIREsim 3.0

About

Tutorials

Email me

News

 FIREproof

Most Recent Data: Aug. 1, 2026

|

Total Simulations Run: 37,181,019

FIREproof, from the creator of cFIREsim
See where every dollar goes, every year, after taxes.
The same market history back to 1871, plus your paychecks, every account type, and federal and state taxes.
Try it free, no account needed
FIREproof cash flow chart: job income split into taxes, spending, real estate, and investments
  • Inputs Tab
  • Sim 1
  • Sim 2
  • Sim 3
  • Sim 4
  • Sim 5
  • Sim 6
  • Sim 7
  • Sim 8
  • Sim 9
  • Sim 10
  • Sim 11
  • Sim 12
  • Sim 13
  • Sim 14
  • Sim 15
  • Sim 16
  • Sim 17
  • Sim 18
  • Sim 19
  • Sim 20
  • Sim 21
  • Sim 22
  • Sim 23
  • Sim 24
  • Sim 25
  • Sim 26
  • Sim 27
  • Sim 28
  • Sim 29
  • Sim 30
  • Sim 31
  • Sim 32
  • Sim 33
  • Sim 34
  • Sim 35
  • Sim 36
  • Sim 37
  • Sim 38
  • Sim 39
  • 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
You've reached the maximum amount of allowable tabs. To continue, close some tabs or refresh the page to eliminate them all
*cFIREsim is not actual financial advice. Use this site as an educational application.*