Retirement Drawdown Simulator

Age the money runs out — pot today plus any one-off inflow, drawn at your spend in today's money, growing at the real return, with the pension covering part of the spend from the age it starts.

$17one-time · VAT included · no subscription

Free files

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✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of The Retirement Kit (5 files, $39) — and of the Complete Collection (119 files, $99).

The ritual page

What the file tells you

One question, answered in today's money for every scenario you can think of: at what age does the pot run out? Spend, returns, inflation, the pension and when it starts, a downsize — the sheet gives the run-out age, the spend that would last exactly to your plan age, and a year-by-year projection.

01 · verdictLongevity — the age the pot reaches zero vs your plan age

02 · verdictSpend — the sustainable annual spend to reach the plan age exactly

03 · verdictThe gap years — what carries you until the pension starts

Sheets in the workbook

✓Analyzer · pick a scenario: run-out age, three verdicts, three tasks

✓Scenarios · spend, return, inflation, pension, a one-off inflow — one line each

✓Projection · the picked scenario year by year to age 100

✓Settings · pot, ages, spend, pension, return, inflation

How it works

1Enter the pot and the plan — pot, age, plan age, spend, pension and when it starts, return, inflation — once

2Add scenarios as lines — six ship with the file: as planned, spend less, lower returns, downsize, retire now, high inflation

3Pick a scenario on Analyzer — run-out age, LASTS / TIGHT / SHORT, the sustainable spend, a year-by-year projection

Who it is for

Anyone within ten years of retiring who has a pot, a number in mind, and no idea whether the two agree.

Dark edition included

Retirement Drawdown Simulator — dark edition

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to hello@tintedcells.com.

Pairs well with

More Money files →