Observed arrival · 2026-11-13
When Can I Stop? — FIRE Retirement Simulator
A browser-based Monte Carlo simulator for exploring when you could retire early and how much you might spend.
○Open
⊠Login
$Paid
†Ads
✦Pretty
●Pro
◎Niche
◉Human
⚑Risk
ƒJS
- For
- People modeling early-retirement spending plans
- Worth noticing
- Its stress test forces a market crash into the first years after the FIRE start, then returns to random markets.
Field notes
The model treats the portfolio as stocks and bonds rebalanced annually, while cash and fixed-interest accounts grow at interest minus inflation. It accounts for retirement accounts unlocking at a set age, then being withdrawn, taxed, and added to the portfolio. Flexible spending rules have a floor for costs that cannot be cut and a ceiling; the page says a run fails when even that floor cannot be paid.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
○OpenPublic substance visible
✦PrettyNotable craft visible
●ProPolished or operationally mature
◎NicheUnusually specific use
One card from the complete issue