The simulator is an embedded Microsoft Excel workbook, running off OneDrive. Charts and output values will automatically update when gray shaded input cells are modified. No entered data is stored or tracked. Values reset to defaults when a user refreshes their browser or closes and re-opens this page. To save a simulation for future reference or printing, use a screen capture tool such as the Snipping Tool in Windows.

Depending on your screen resolution, you may need to adjust your zoom scale to see the full simulator at once. For best results, use the simulator on a full size computer screen.


Index Goose is presented as an informational resource and should not be construed as individualized investment advice, nor as a recommendation to buy or sell specific securities. The funds and portfolios discussed and simulated on the site are examples only and may not be appropriate for your individual circumstances.

While every effort is made to use accurate data and calculations, Kurt Friesen and take no responsibility for any errors in data or calculations. If any error is found, use the contact form to report it so it can be corrected. Corrections and other updates will be tracked on the change log below.

Change Log – Portfolio Simulator

v1.0 – December 13, 2021 – Initial Release using data through to end of 2020
v1.1 – December 16, 2021 – Increased maximum simulation period length from 25 years to 35 years
v1.2 – December 20, 2021 – Adjusted withdrawal formula for increased resilience over long simulation periods, swapped position of balance and cash flow charts
v2.0 – January 2, 2022 – Updated data through end of 2021 (inflation through end of November)
v2.1 – January 25, 2022 – Updated inflation through end of 2021
v2.2 – February 6, 2022 – Corrected issue with 3 and 4 year simulation length omitting 2020 and 2021 data, changed country/currency input for increased visibility
v3.0 – February 20, 2022 – Updated data through end of 2022