ETF Portfolio Simulator (Excel) – Tax, Inflation & Withdrawal Calculator (14 Countries)

Simulate realistic after-tax ETF portfolio growth, inflation-adjusted purchasing power and retirement withdrawals across 14 countries in one structured Excel dashboard.

Preview the simulator below.
Download the full Excel version here:

👉 https://reimgun.gumroad.com/l/rqcfjr

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Preview

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Who this simulator is for

Designed for:

• European ETF investors
• long-term retirement planners
• FIRE strategy users
• Excel-based portfolio planners
• investors comparing tax jurisdictions

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Key Features

• Long-term ETF savings plan simulation
• Net portfolio value after taxes
• Inflation-adjusted purchasing power projection
• Withdrawal planner (including 4% rule simulation)
• Scenario comparison (pessimistic / realistic / optimistic)
• TER cost impact analysis
• Two configurable market crash years
• Goal calculator (required monthly investment)
• Annual portfolio development overview
• Charts and dashboard visualization
• Multi-country tax comparison (14 jurisdictions)

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Supported Countries

Austria
Germany
Switzerland
Luxembourg
France
Italy
Portugal
Spain
Malta
Cyprus
Greece
Thailand
Singapore
United Arab Emirates (UAE)

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What you can do with this simulator

Use this spreadsheet to:

• estimate realistic after-tax ETF growth
• compare retirement withdrawal strategies
• calculate required savings to reach a target portfolio
• evaluate inflation-adjusted purchasing power
• simulate market crash scenarios
• compare investment outcomes across countries

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Why this simulator is different

Unlike simple ETF calculators, this Excel model includes:

• country-specific tax assumptions
• inflation-adjusted projections
• withdrawal strategy planning
• crash scenario simulation
• TER impact analysis
• long-term retirement forecasting

This allows more realistic planning than gross-return-only calculators.

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Download Full Version

The complete Excel simulator (German + English versions included) is available here:

👉 https://reimgun.gumroad.com/l/rqcfjr

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About

This simulator was designed for long-term ETF investors who want realistic net portfolio projections instead of theoretical gross return estimates.

It combines tax assumptions, inflation modeling and withdrawal planning into one structured Excel tool suitable for retirement and FIRE scenarios.

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Keywords

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