Lab / Personal Finance Simulator
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Personal Finance Simulator

Manage accounts, loans, income, and expenses. Project your net worth, cashflow, and debt paydown over a configurable time horizon.

Start
Horizon10yr
Inflation
%
Participants
Scenario
Compare
Financial Overview
Final Net Worth
$752K
in 10 years
Avg Monthly Cashflow
$17K
surplus
Total Assets
$2.4M
end of horizon
Total Debt
$1.6M
remaining
Debt-Free
N/A
projected ~Yr 21
Interest Earned vs Paid
$147K
paid: $2.1M
Stress Indicators
Peak DTI
65%
Month 1
Projection
1Auto Loan paid Mo 48
Event Timeline
Annual Summary
10 years of data. Click expand to view.
Cash Flow Diagram
Year
Salary → Total Income: $585KTotal Income → Groceries: $73KTotal Income → Utilities: $37KTotal Income → Insurance: $54KTotal Income → Entertainment: $37KTotal Income → Mortgage: $264KTotal Income → Auto Loan: $88KTotal Income → Net Savings: $32KSalary: $585KSalary$585KTotal Income: $585KTotal Income$585KGroceries: $73KGroceries$73KUtilities: $37KUtilities$37KInsurance: $54KInsurance$54KEntertainment: $37KEntertainment$37KMortgage: $264KMortgage$264KAuto Loan: $88KAuto Loan$88KNet Savings: $32KNet Savings$32K
Income
Expenses
Loan Payments
Savings
Alerts
  • Negative cashflow in 11 of 120 months.
  • High debt-to-income ratio: 65.2%. Consider reducing debt.

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