Running Fortress Diagnostics...

REALITY-STRESS ENGINE ACTIVE

Fortress FIRE Stress Test

A tool to measure the resilience of a FIRE plan under real world stress scenarios: crashes, inflation, income shocks and the true depth of your buffers.

Fortress Score

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Fragile Moderate Strong Fortress

Section 1

Wealth Buckets & Home

All values in ₹ (adjust freely)

Income-generating property. Can be set to 0 if sold or vacant.

Direct stocks (India/US), mutual funds, gold, etc.

Used first when income dips (e.g., rent at 0 while vacant).

Can be set to 0 if you’d like to exclude it from net worth.

Section 2A

Monthly Income & Expenses

Adjust to your real world cash flow

Income 1 – Commercial rent

If tenant leaves, set this to 0 – EF will start covering.

Income 2 – Secondary interest income

Example: monthly interest or annuity from deposits or fixed income products.

Income 3 – Other recurring income (optional)

Salary, business income, spouse income, etc.

Monthly expenses

Sum of all recurring living costs at your current lifestyle.

Section 2B

Market Risk & Long-Term Assumptions

Feeds projections, crash tests & score

Equity risk & crash test

-30%

One-time drop applied to your Bucket 2 – equity portfolio at the start of the stress test.

How much of your investable wealth you aim to keep in equities long term. This feeds the Fortress Score risk rating, not the bucket values directly.

10%

Used for long-term growth of Bucket 2.

6%

Applies to expenses over time.

5%

Applies to commercial real estate and primary home value.

5%

Annual step-up in rent (when tenant exists).

Section 3A

Post-Crash Net Worth

How your fortress stands after the chosen equity crash.

Pre-crash Net Worth --
Post-crash Net Worth --
Overall Drop --
Fortress Stability --

Section 3D

Passive Income Test

Tests how your passive income stack (rent + secondary/other income + sustainable 4% equity draw) carries expenses now and under stress.

20%

Play with vacancy/discount scenarios (e.g., -20% or -30% rent).

Current passive income vs expenses --
Passive income after stress --
Coverage now --
Coverage under stress --

Section 3E

Runway After Crash

How many years can you sustain life at current expenses after the crash.

Years of runway --
Annual deficit after passive income (stress) --
Capital pool considered --

Longevity Check

Will the Fortress Last Your Lifetime?

Compare the simulated runway of your fortress with your own life expectancy. This uses the same EF-first, then-equity withdrawal logic as the main projection.

Adjust your age and target life expectancy to see whether the current setup is projected to last.

The simulation horizon is ~60 years from now; it may show “Effectively Infinite” if your buffers are very strong.

Projection

Portfolio Longevity & Trajectory

Simulated annually assuming EF is used first, then equities – no forced selling of stocks while the emergency bucket is intact.

Horizon: ~60 years or until capital is exhausted

Section 4

Layers of Defense

Each layer buys time and calm during chaos.

Layer 1

Passive income coverage

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Monthly rent ÷ expenses.

Layer 2

Emergency fund runway

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Months expenses covered by EF.

Layer 3

Liquid portfolio runway

--

Months covered by all liquid assets.

Layer 4

Real estate buffer

--

RE value ÷ annual expenses (x).

Section 5

Fortress Summary

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Adjust your core numbers and stress sliders to see how robust your FIRE plan truly is.

Key strengths

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Vulnerabilities

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