NAFCMonte Carlo Sim

Not Another FIRE Calculator

Monte Carlo Engine · Normal & GARCH Return Models

Your financial future, simulated.

Run thousands of Monte Carlo scenarios to visualize your FIRE trajectory. Configure contribution & withdrawal strategies, multi-account portfolios, and return models — then explore the full distribution of outcomes.

Simulation Parameters

Basic financial and simulation settings

Starting Age

Years to Simulate

Age range: 30 – 70

Expected Return (%)

Return Volatility (Std Dev %)

Monte Carlo Simulations

Income Periods

Define your income sources and timing

Salary

Age 30–59

Label

Monthly ($)

Start Year

End Year

Growth

Expense Periods

Define your expenses and commitments

Living Expenses

Age 30–69

Label

Monthly ($)

Start Year

End Year

Growth

Investment Accounts

Manage your account pools and accessibility

Brokerage

Access at age 30

Account Name

Type

Starting Balance ($)