Description
Open-source FIRE retirement portfolio simulator that runs your plan against 150+ years of historical US market data. Configure portfolio size, annual spending, asset allocation, withdrawal strategies, Social Security income, and more to see what percentage of historical scenarios your retirement survives.
No-Login Task
"Simulate retirement portfolio longevity using historical market sequences and Monte Carlo analysis, with configurable withdrawal strategies and income sources"
Editorial Review & Verification
Hands-on VerifiedCrowdsourced, open-source financial independence and early retirement (FIRE) Monte Carlo portfolio simulator.
+ Key Strengths (Pros)
- ✓ Simulates retirement portfolio longevity against historical US stock, bond, and inflation data since 1871
- ✓ Models custom spending plans, Social Security timing, pensions, and sequence of returns risk
- ✓ Completely open-source with zero financial ads, predatory loan tracking, or user accounts
− Limitations (Cons)
- − Requires familiarity with financial independence terminology (SWR, asset allocation, glide paths)
- − Interface is functional and spreadsheet-inspired rather than a modern consumer app
Catalog signals & Product Power & Utility Review
Client-side financial simulation. Your asset amounts, savings trajectory, and retirement years are processed locally via JavaScript calculations without corporate harvesting.
Simulated 40-year portfolio retirement outcomes across 150 historical market cycles: Monte Carlo returns and inflation-adjusted charts generated in <600ms.
- ✓ Catalog classification: client-side processing
- ✓ Processing location does not establish retention or tracking behavior
- ✓ Offline support has not been recorded
- ✓ No dedicated tracker assessment is recorded here
- ✓ No-login access does not establish anonymity
- ✓ Consult the provider policy for logs and cookies
- ✓ No source repository is recorded in the catalog
- ✓ This does not establish that the software is proprietary
- ✓ See the review for observations from the tested workflow
- ✓ The latest check received a response
- ✓ Availability can change after the recorded check
- ✓ This is a reachability observation, not an uptime guarantee
Verification Details
Client-side financial simulation. Your asset amounts, savings trajectory, and retirement years are processed locally via JavaScript calculations without corporate harvesting.
Tags
Health History
FAQ
- Does cFIREsim require an account?
- No. cFIREsim has been verified by nologin.tools to provide its core functionality — Simulate retirement portfolio longevity using historical market sequences and Monte Carlo analysis, with configurable withdrawal strategies and income sources — without requiring any login or signup.
- Is cFIREsim free to use?
- cFIREsim is listed on nologin.tools as a tool you can use without creating an account. Check the tool's own site for details on pricing or premium features.
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