Interactive Simulator
Financial Future Simulator
Model how your income, spending, investing, and major life decisions shape your net worth over time.
This is a deterministic projection — it shows one path based on your assumptions, not a range of probabilities. Adjust the inputs to explore different scenarios and see how small changes compound over decades.
Starting point
Income & spending
Growth assumptions
Life events
Model major financial changes — career moves, sabbaticals, home purchases, windfalls, or large expenses. Toggle events on/off to see their impact.
Set your new annual income starting at this age
Projected net worth at age 65 (today’s $)
Exceptional growth
Compounding drives the majority of your wealth growth (today’s dollars). Over 35 years, investment gains ($812K) exceed total savings ($400K). Time in market is your strongest lever.
Total growth
+$1.2M
Growth rate
+1806%
Milestones reached
Projected net worth at age 65 (today’s $)
Exceptional growth
Compounding drives the majority of your wealth growth (today’s dollars). Over 35 years, investment gains ($812K) exceed total savings ($400K). Time in market is your strongest lever.
Total growth
+$1.2M
Growth rate
+1806%
Milestones reached
Net worth trajectory (today’s dollars)
Compounding is the dominant force in your trajectory. The curve steepens as investment gains accelerate in later years.
Income vs. spending over time (today’s dollars)
Income and spending grow at similar rates. The surplus stays relatively stable over time.
Wealth milestones (today’s dollars)
$100K
Age 34
$250K
Age 42
$500K
Age 51
$1M
Age 62
$2M
Not reached
$5M
Not reached
Detailed breakdown
Starting net worth (real)
$65K
Ending net worth (real)
$1.2M
Total saved
$400K
Investment gains
$812K
Avg. annual savings
$11K/yr
Peak net worth
$1.2M (age 65)
What’s driving this
Starting with $65K at age 30, your projected net worth grows to $1.2M by age 65 in today’s dollars. Of your total growth, ~67% comes from investment returns and ~33% from savings. Income and spending grow at similar rates, so investment returns are the primary wealth driver over 35 years.
Assumptions & methodology
- This is a deterministic projection, not a guarantee. Real outcomes will vary.
- Investment returns are assumed constant at 6.5%/yr — actual returns will fluctuate.
- Income grows at 3%/yr and spending grows at 2.5%/yr, applied as flat annual rates.
- Annual surplus (income minus spending) is added to invested assets at end of year.
- Income is taxed at your effective rate; annual surplus = take-home minus spending. Other fees and frictions are not modeled.
- All values shown in today’s dollars, deflated at 2.5%/yr.
This simulator is for educational purposes only and does not constitute financial advice. Results are based on simplified assumptions and a deterministic model. Actual outcomes depend on real market conditions, tax situations, spending changes, and factors not captured here. Consult a financial advisor for personalized planning.