diff --git a/x/cdp/simulation/operations/msgs.go b/x/cdp/simulation/operations/msgs.go
index 7600d87b..dd1eb506 100644
--- a/x/cdp/simulation/operations/msgs.go
+++ b/x/cdp/simulation/operations/msgs.go
@@ -122,8 +122,10 @@ func SimulateMsgCdp(ak auth.AccountKeeper, k cdp.Keeper, pfk pricefeed.Keeper) s
 		if shouldDraw(r) {
 			collateralShifted := ShiftDec(sdk.NewDecFromInt(existingCDP.Collateral.AmountOf(randCollateralParam.Denom)), randCollateralParam.ConversionFactor.Neg())
 			collateralValue := collateralShifted.Mul(priceShifted)
+			newFeesAccumulated := k.CalculateFees(ctx, existingCDP.Principal, sdk.NewInt(ctx.BlockTime().Unix()-existingCDP.FeesUpdated.Unix()), randCollateralParam.Denom).AmountOf(randDebtParam.Denom)
+			totalFees := existingCDP.AccumulatedFees.AmountOf(randCollateralParam.Denom).Add(newFeesAccumulated)
 			// given the current collateral value, calculate how much debt we could add while maintaining a valid liquidation ratio
-			debt := (existingCDP.Principal.Add(existingCDP.AccumulatedFees)).AmountOf(randDebtParam.Denom)
+			debt := existingCDP.Principal.AmountOf(randDebtParam.Denom).Add(totalFees)
 			maxTotalDebt := collateralValue.Quo(randCollateralParam.LiquidationRatio)
 			maxDebt := maxTotalDebt.Sub(sdk.NewDecFromInt(debt)).TruncateInt()
 			if maxDebt.LTE(sdk.OneInt()) {