Bellavia

Will Your Money Last?

Simulate your retirement portfolio across historical downturns and recoveries.

Most retirement calculators assume steady 7% returns every year. Bellavia tests your plan against every historical period — you'll see success rates, portfolio trajectories, and detailed analytics across 120+ years of market data.

1
Define your starting portfolio value and retirement timeline

Portfolio & Timeline

1900 2020
USD
30
2
Choose your asset allocation approach and risk profile for long-term growth

Invest

Maintain fixed asset allocation percentages throughout retirement.
0%
3
Select how you'll withdraw money during retirement to sustain your lifestyle

Withdraw

Withdraw the same dollar amount each year, adjusted for inflation if using real basis.
USD
Real (Inflation-adjusted)
Maximum annual withdrawal allowed regardless of strategy. Applied in same basis as withdrawal strategy (real/nominal).
USD
Minimum annual withdrawal regardless of strategy. Applied in same basis as withdrawal strategy (real/nominal).
USD
4
Add additional income sources like Social Security, pensions, or other cashflows
Add Other Cashflows Register for free to use 0
5
Save and load your configuration settings across 5 slots
Save/Load Register for free to use