🔥 FIRE Calc

Historical Market Simulator
Made by Vatt Labs

PARAMETERS

Your starting liquid investment balance (Stocks + Bonds/Cash).
Total yearly withdrawal. Future amounts adjust for monthly inflation (CPI).
The number of years the portfolio must sustain your withdrawals.
Cash
Stocks
Split between S&P 500 and Short-term Treasuries. The portfolio rebalances monthly.
Success Rate
%
Median End: $

How it works

Runs historical simulations from every month in the dataset. Assumes withdrawals are tax-free.

Assumptions

  • Inflation: Based on historical US CPI.
  • S&P 500: Total return with reinvested dividends.
  • Cash: Long-Term Interest Rate - 1.5% spread.

Notes

  • Retirement income: Subtract this out of your annual spending.
  • Capital Gains Tax: Add this directly to your annual spending.