Predict FI


Calculate Possible Paths to Financial Independence

Take me to the FI Simulator


Exact Calculation of Safe Withdrawal Rates with several Configurable Parameters, like Simulationperiod, Savingsrate and Inflations Adjustment.


Direct Update of Results after each Adjustment Step allows for an Interactive Analysis and Optimization of your personal FI-Situation.


Integrates Public and Corporate Pensions as well as arbitrary additional Cashflows and calculates individually optimized Safe Withdrawal Rates.

Latest Posts

Version 0.7 - What's new?

by Uwe Glässner

Monte-Carlo Methods, Asset Catalog, Bookmarks and Links

Version 0.6 - What's new?

by Uwe Glässner

Efficient Frontier, TIPS Bonds und Usability Enhancements

Version 0.5 - What's new?

by Uwe Glässner

Usability Changes and Commodity Index Data

How to get started with the Simulator

FI Simulator 7 - Sampling Methods: Sequential or Monte-Carlo based? 🧙

How do we estimate future asset returns?

April 8, 2024

FI Simulator 6 - Data References 📈

Where do all historic series come from and how exactly have they been spliced?

December 17, 2023

FI Simulator 5 - Optimizations of Asset Allocation 🛠

Maximize Withdrawal Rates by Systematic Variations of Asset Allocations

January 26, 2023

FI Simulator 4 - Define Your Asset Allocation 💰

How to define your portfolio with US and German Equities & Bonds

January 25, 2023

FI Simulator 3 - Additional Cashflows 💶

How Pensions, Rental-Income, Special Expenses, etc. influence the Safe Withdrawal Rates

July 6, 2022

FI Simulator 2 - Inflation 📉

How does the Simulator handle Inflation?

July 6, 2022

FI Simulator 1 - Basics 📈

The Concept behind the Simulator

July 6, 2022