Portfolio & Retirement Calculators
Every focused starting point on SimulateWealth, in one place — each one opens the simulator pre-loaded with a relevant scenario you can immediately edit.
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.
S&P 500 Withdrawal Rate
Test a retirement withdrawal plan against an all-equity, S&P 500-style portfolio using real historical total-return data — including the index's sharpest historical drawdowns.
Monte Carlo vs. Historical
Two very different methods get called “retirement simulation” — Monte Carlo, which generates thousands of randomized hypothetical return sequences, and historical backtesting, which replays sequences that actually happened. Here's how they differ and when each is more useful.