A Monte Carlo model is derived and combined with an existing detector response function model to predict the entire pulse-height spectra for energy-dispersive, x-ray fluorescence systems that consist of an annularring, photon exciting source, a coaxially positioned right circular homogeneous sample, and a circular Si(Li) detector. A method is derived and demonstrated for using the predicted and experimental pulse-height spectra on a chi-square basis to determine elemental amounts. This approach allows the use of all the information available in an entire energy-dispersive, x-ray fluorescence pulse-height spectrum for analysis purposes.