Version 2.0 — Major Upgrade

Most investors guess.

They guess how much income they’ll generate.

They guess how long their portfolio will last.

They guess how much to reinvest.

This spreadsheet removes the guesswork.

The Simply Money Portfolio Planner is a powerful forecasting engine designed to help you model real retirement scenarios using income ETFs, dividend growth funds, hybrids, and custom allocations.

What It Does:

• Compare Conservative, Moderate, and Aggressive models

• Backtest up to 10 funds at once

• Toggle 100%, 50%, or custom DRIP percentages

• Model full income withdrawal scenarios

• Set a maximum monthly withdrawal cap

• Add recurring deposits or one-time lump sums

• Apply inflation adjustments to deposits and withdrawals

• Forecast month-by-month portfolio growth

• Track total return, income paid, income reinvested

This is not a basic calculator.

It’s a full portfolio simulation engine.

You can test:

– What happens if I reinvest for 5 years then turn income on?

– How much monthly income can my portfolio safely support?

– Does high yield hurt long-term growth?

– What if I increase withdrawals annually?

– How do different strategies compare over 30+ years?

Everything updates automatically.

No advanced Google sheets skills required.

If you’re serious about income investing, retirement planning, or building a cash-flow-driven portfolio, this tool gives you clarity most investors never get.

Stop guessing. Start modeling

Important Information

Designed for Google Sheets

• This spreadsheet is licensed for personal use only and may not be copied, redistributed, resold, shared, published, or used for commercial purposes without written permission from Simply Money.

• Due to the digital nature of this product and immediate access to downloadable files, all sales are final and no refunds will be provided.

• By purchasing and downloading this spreadsheet, you acknowledge and agree to these terms.

Disclaimer: The Simply Money Portfolio Planner is an educational and planning tool only. It does not provide financial, tax, legal, or investment advice. All projections are estimates based on user inputs and assumptions and should not be interpreted as guarantees of future results.

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