FIRE+ Calculator
Monte Carlo simulation with life events for Financial Independence
We don't store or collect your inputs — calculations are temporary and used only for your simulation.
Why Life Events Matter
Most people plan for the best-case scenario, but life rarely goes according to plan. Unexpected expenses like medical emergencies, job loss, home repairs, and accidents can derail even the most careful financial planning. Our simulation includes realistic life events with their actual probabilities and costs to show you what happens when things don't go perfectly.
Common Life Events:
- • Medical emergencies (12% chance/year, $5K-$50K)
- • Job loss (5% chance/year, $10K-$100K impact)
- • Home repairs (8% chance/year, $3K-$30K)
- • Car repairs (25% chance/year, $1K-$15K)
- • Legal issues, funerals, natural disasters
What the Lines Mean:
- • Green line: 90th percentile (lucky outcomes)
- • Blue line: Median (typical outcomes)
- • Red line: 10th percentile (unlucky outcomes)
The red line shows what happens when you're unlucky with life events. This is why building a robust emergency fund and planning conservatively is crucial for financial independence.
📊Life Events Catalog
Data Sources & Research
FIRE+ Simulation
Monte Carlo simulation with life events - 1,000 parallel scenarios
Die With Zero Strategy
Maximize lifetime consumption by spending down to zero
⚠️ Experimental Feature
Switch from traditional FIRE to DWZ strategy
Control which types of events to include
Medical emergencies, job loss, repairs
Windfalls, promotions, investment gains