Every crash. Every bull run. Your strategy, tested.
Simulate a portfolio plan against real historical market data — see exactly how it would have held up, not how it might perform on average.
How it works
- 1
Enter your numbers
Set a starting portfolio value and a monthly contribution or withdrawal amount.
- 2
Choose your holdings
Search any of 14,000+ stocks and ETFs, or start from a preset like Bogleheads 3-Fund or 60/40 Classic.
- 3
Test it against real history
The plan runs against every rolling historical period the data supports — not one average-return guess.
- 4
Review the outcomes
See drawdowns, ending balances, and exactly which historical starting points the plan would have failed from.
Explore historical portfolio calculators
Focused starting points for common questions — each one opens the simulator pre-loaded with a relevant scenario.
Safe Withdrawal Rate
See how a specific withdrawal rate — not just the textbook 4% rule — would have actually played out across dozens of real historical starting points, including recessions and bear markets.
FIRE Calculator
Model your FIRE number — starting portfolio, planned spending, and years until traditional retirement age — and test it against real historical market data instead of a single average-return projection.
Portfolio Backtest
Build a portfolio from over 14,000 stocks and ETFs and test how it would have performed across every rolling historical period the data supports — not just one average scenario.
Retirement Withdrawal
Model a monthly retirement withdrawal — with inflation adjustments — and test it against real historical market periods, including past bear markets, instead of a single projected average.
Historical Simulator
Run a portfolio plan through actual historical market periods — the 2008 financial crisis, the 2020 COVID crash, the 2022 bear market, and every recovery in between — instead of a single smoothed average-return assumption.
Bogleheads 3-Fund
Test the classic three-fund approach — a total U.S. stock market fund, a total international stock fund, and a total bond fund — against real historical market data instead of a hypothetical average return.
Methodology & trust
Simulations use monthly, dividend-adjusted (total-return) historical price data and assume the portfolio is rebalanced to its target weights every month. No account or personal data is required to run a simulation — scenarios you choose to share are encoded directly in the link. SimulateWealth.com provides hypothetical historical simulations for educational purposes only, not financial, investment, tax, or legal advice, and historical data has real limits: it only covers periods that actually occurred, and some tickers have a shorter listing history than others.