What does the simulation do each year?
It computes yearly inflows, outflows, and asset growth. If outflows are higher than inflows, the app performs drawdown based on your configured order.
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Financial Planner
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Simulate your path to Financial Freedom.
Simulate Future Net Worth
Configure salary, costs, pension, and allocations to project net worth over time.
Short Term Growth
Set detailed first-5-year assumptions for salary and costs when your plan changes quickly.
Long Term Growth
Model long-term average growth for salary, costs, savings, investments, and pension.
Custom Entries
Add assets, liabilities, and custom cashflows with value appreciation or depreciation rules.
Household Profiles
Create multiple profiles and aggregate the household outlook in a single simulation.
Tools
Run dedicated mortgage payoff and compound growth simulations.
Need more detail before installing? Visit the full FAQ and How It Works page.
Build your profile, run scenarios, and compare outcomes before making major financial decisions.
1. Configure your baseline
Enter salary, costs, retirement age, and expected growth.
2. Add assets and liabilities
Model mortgages, financed assets, savings, investments, and custom cashflows.
3. Compare realistic scenarios
Save snapshots, stress assumptions, and validate plan sustainability.
Start from the scenario that matters most, then branch into deeper modeling.
Plan retirement with fewer blind spots
Estimate when your current plan becomes sustainable by testing best, base, and stress scenarios.
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Optimize mortgage payoff strategy
Compare amortization options and see how extra payments change total cost and payoff date.
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Understand compound growth outcomes
Simulate contributions and long-term growth assumptions to visualize expected net worth ranges.
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Crawlable FAQ content for humans and AI agents. See how the simulation logic works before installing.
It computes yearly inflows, outflows, and asset growth. If outflows are higher than inflows, the app performs drawdown based on your configured order.
Read in full FAQDrawdown order defines which source is used first when money is needed (for example: cash, savings, investments, tradeable assets). If one source is not enough, the next source is used automatically.
Read in full FAQTaxes are applied only on sell events (drawdown or forced liquidation), not on unrealized gains. Taxes are off by default until you configure and enable them.
Read in full FAQStandard uses a global tax rate on gains only. Tax-Free has no tax on sale. Custom uses a custom rate on gains only. Tax-Deferred taxes the full withdrawn amount, not just gains.
Read in full FAQCost basis is the amount originally paid for an asset. It helps estimate the gains portion on sale. Tradeable assets let you set a custom cost basis; if not provided, the app defaults to the asset value at creation time.
Read in full FAQIn most countries, interest on savings is taxed when your bank credits interest, not when you withdraw. The savings growth rate you enter should already be net of any interest tax.
Read in full FAQ