Tools · FI Simulator
Model the path from wealth accumulation to financial freedom.
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%Portfolio vol 10.1%
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.
Temporary cash-flow adjustments
This is the flexible way to model scenarios like children of age X, school costs, a mortgage ending or any expense drop from a future age onward. Use negative values for costs and positive values for extra saving capacity.
Asset allocation and risk
One asset per line. Each row shows exactly which performance proxy it maps to, so assumptions stay transparent.
Weighted nominal return: 6.0%
Estimated portfolio vol: 10.1%
Allocation total: 100.0%
Retirement and gap
Define the destination.
The engine estimates how much capital is needed before pension age and how much is still needed after pension income starts.
Withdrawal rule
Interpretation
The deterministic line tells you what happens if returns arrive smoothly. The percentile corridor shows what a plausible range of outcomes looks like once volatility is introduced.
For children and similar scenarios, temporary adjustments are usually the right level of complexity: they alter savings power without forcing a full household budget model.
FI age
60
25 years from now
Retirement goal probability
17%
Probability of being funded by retirement age 52
Success to age 90
68%
Probability the portfolio survives the full retirement path
Risk of ruin by 90
32%
Starts retirement with a shortfall of $167,180
Retirement-date real wealth range
Simulated purchasing-power outcomes at the selected retirement age 52.
Risk of ruin by age
Starting at retirement age 52, this shows the cumulative probability of depleting the portfolio by each later age.
FI age percentiles
Simpler read of likely FI timing across the 10th to 90th percentiles.
Key outputs
What changed
Asset allocation is now explicit and extensible: one asset per line, with visible performance mapping so assumptions stay tied to the Atlas data model.
The percentile and probability sections are intentionally simpler now: quick charts and compact tables instead of card-heavy blocks.
Retirement trigger
Move retirement on the chart and the engine switches from accumulation to withdrawals from that age onward.
Probability-adjusted wealth path
Focused short-to-medium horizon view, capped to keep the FI window legible.