Tools · FI Simulator Advanced
FI Simulator Advanced
A two-phase simulator for compounding, inflation, pension offsets and the probability of reaching FI under a realistic range of portfolio outcomes.
Accumulation setup
Portfolio base, savings engine and asset assumptions.
You can model non-flat accumulation here: kids, mortgage ending, income boosts or any temporary drag on saving capacity.
Blended return 6.0%Expected annual volatility 10.6%
Accumulation setup
Portfolio base, savings engine and asset assumptions.
You can model non-flat accumulation here: kids, mortgage ending, income boosts or any temporary drag on saving capacity.
Accumulation inputs
Define starting wealth, recurring savings and any other recurring income that effectively funds the accumulation phase.
Asset allocation and risk
One asset per line. Each row shows exactly which performance proxy it maps to, so assumptions stay transparent.
Portfolio nominal return: 7.1%
Expected annual volatility: 10.6%
Allocation total: 100.0%
Historical portfolio return · 55y overlap | Historical portfolio volatility · 55y overlap | Computed from PFAtlas historical proxies, not literal fund history.
Lifecycle cash-flow adjustments
Use this for children, mortgage ending, rental income, healthcare drag or any age-based cash-flow change. Positive values help cash flow. Negative values add drag. The same adjustment works in accumulation and in retirement.
Retirement and gap
Define the destination.
Enter retirement spending as net spending. Leave tax rates at 0% to keep the old net-only assumption, or set pension and withdrawal taxes to gross-up the funding gap more realistically.
Load tax rates
Uses the current Spain savings scale for withdrawals and an indicative general IRPF approximation for pension income.
Savings tax is based on the current national savings brackets. Pension IRPF is only an estimate: actual taxation depends on region, personal minimums and family situation.
Uses approximate current U.S. federal long-term capital gains brackets for withdrawals and federal ordinary income brackets for pension income.
This is a federal single-filer approximation only. It does not include state taxes, filing status changes, Social Security treatment or account-specific rules.
Withdrawal rule
At retirement age 52, the portfolio must cover $2,400 net per month, which means $2,400 gross with current withdrawal taxes. Once public pension starts at 67, the remaining gap falls to $1,300 net and $1,300 gross per month.
FI age
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No retirement age up to 90 keeps modeled ruin risk below 10%.
Wealth at retirement
Real purchasing-power outcomes at retirement age 52, reduced to downside, median and upside for a quick read.
Risk of ruin by age
Starting at retirement age 52, this shows cumulative ruin risk over the next decades, with the view kept tight enough to make the climb readable.
FI age ladder
Earliest age that reaches each safety threshold.
Key outputs
Probability-adjusted wealth path
Focused short-to-medium horizon view, capped to 70.
Normal Monte Carlo uses expected return and volatility.
Retirement portfolio switch
Test a different portfolio only for the retirement phase.
The base simulation above keeps the same portfolio all the way through. This optional scenario lets you implement a different retirement portfolio at a chosen age, not necessarily the retirement date, and compare how FI timing and ruin risk change.