GoKawiilNew tool simulates retirement plans using 125 years of market data across 25 countries
A developer launched a free beta retirement simulator that tests a user's savings and withdrawal plan against actual historical market returns spanning 125 years and 25 countries, rather than relying on average statistical projections. Users can input portfolio value, withdrawal rate, and time horizon to get a quick estimate of whether their money will last, with a more detailed plan builder also available. Paid plans are expected to follow after the beta period.
GoKawiil's interpretation of the reporting above, not reported fact.
Most retirement calculators rely on simplified average return assumptions, which can mask the risk of poor market sequences early in retirement wiping out savings. By stress-testing plans against real historical crashes and booms across many countries, this tool offers a more realistic view of worst-case and best-case outcomes for retirees.
- The simulator uses 125 years of historical market data from 25 countries instead of average return models.
- It offers a free quick estimate plus a more detailed retirement plan builder.
- The tool is in free beta now, with paid plans planned for the future.
The Simple Path to Wealth" by JL Collins — If a retirement simulator has you thinking about withdrawal rates and portfolio allocation, this book is the natural companion read. JL Collins walks through index investing, asset allocation, and how to think about drawing down a portfolio in retirement, in plain language. It pairs perfectly with stress-testing your own numbers against market history.
See The Simple Path to Wealth" by JL Collins on Amazon → Affiliate link — we may earn a commission on purchases, at no extra cost to you. Product picked by AI based on this article; it is not a tested recommendation.Source: foresightplanner.com, 2026-08-26
Published there as: “Show HN: I made a retirement simulator: 125 years of data, 25 countries”
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