A method of estimating at least one of stress and pore fluid pressure in an earth formation is disclosed. The method includes: discretizing a domain including at least a portion of the earth formation into a plurality of cells, each cell including a respective density value; dividing the domain into a first region and a second region, the first region including a surface of the earth formation; vertically integrating the respective density values in the first region; and estimating the total vertical stress for each cell in the first region and the second region by estimating a point load based on the respective density value.