Quick Summary: Monte Carlo FIRE Simulator

A Monte Carlo FIRE Simulator uses historical volatility and mean returns to run 1,00,0+ 'what-if' scenarios for your retirement. It calculates the probability that your portfolio will last for your entire life expectancy, specifically highlighting 'sequence of returns' risk — the danger of a market crash happening in the first few years of your retirement.

How to use the Monte Carlo FIRE Simulator

  1. Input Portfolio Mix

    Enter your current allocation between Equity, Debt, and Cash assets.

  2. Set Withdrawal Strategy

    Input your planned annual withdrawal amount and the desired success duration (e.g., 30 years).

  3. Run Randomized Simulation

    The tool generates 1,000 different market paths based on historical Indian market cycles.

  4. Analyze Success Probability

    Review the percentage of scenarios where your corpus did not hit zero before the target end date.

Related Calculators

FIRE Target Calculator
Safe Withdrawal Rate (SWR) Simulator
Portfolio Drawdown Simulator
Pension Corpus Withdrawal Planner

Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.