Your Financial Future, Visualized: The Ultimate Wealth Projection Simulator

Where will you be financially in 10, 20, or 30 years? Answering this question requires more than a simple calculator; it requires a simulation. The Wealth Projection Simulator is our most advanced financial planning tool, designed to give you a dynamic and comprehensive forecast of your net worth over time. It allows you to model your entire financial life—income, expenses, investments, and major life events—to create a powerful, long-term projection. It is the ultimate tool for anyone serious about financial planning.

This tool is for anyone who wants to move beyond simple calculations and create a holistic financial plan. Unlike other calculators that focus on a single aspect of your finances, the simulator lets you add multiple income streams, different types of assets with unique growth rates, and one-time financial events like an inheritance or a large purchase. The result is a detailed, year-by-year line chart that visualizes your journey toward your financial goals, providing unparalleled insight into how your decisions today will shape your wealth tomorrow.

Why a Wealth Projection Simulator is a Game-Changer

• Holistic Financial Planning: It brings all the pieces of your financial life—earning, spending, saving, and investing—into a single, unified projection, giving you the most complete picture of your financial health. A simple investment calculator tracks one account; this simulates your entire financial world.
• Dynamic "What-If" Analysis: It's the ultimate scenario-planning tool. What happens if you get a raise and increase your savings? What if you decide to buy a house in 5 years? How does a large, one-time expense affect your long-term net worth? You can model it all to see the long-term consequences of short-term decisions.
• Visualize Your Entire Journey: The interactive chart provides a powerful visual story of your financial life, showing how your net worth is projected to grow from your current age to your target age. This helps in setting and adjusting long-term goals like achieving your FIRE number.
• Encourages a Long-Term Perspective: It encourages a long-term view of wealth building. The simulator vividly demonstrates how consistent saving and investing, compounded over decades, can lead to financial freedom and help you reach your retirement age goal.

How to Use the Wealth Projection Simulator

Build a model of your financial life with our powerful and flexible interface. The more detail you provide, the more accurate and insightful your simulation will be.

1. Set Your Timeline: Enter your current age and a target age for the simulation (e.g., your desired retirement age).
2. Add Your Assets: List your current assets (like savings, 401(k)s, brokerage accounts) and provide an estimated annual growth rate for each.
3. Add Income & Expenses: Input your annual income and your total annual expenses. The difference between these two is your annual savings, which will be automatically added to your investments each year.
4. (Optional) Add Life Events: Use the "Add Event" feature to model one-time financial occurrences. This is perfect for simulating a bonus, an inheritance (+ amount), or a large planned expense like a wedding or car purchase (- amount) at a specific future age.
5. Run Simulation: Click the button to generate your personalized wealth projection chart and see your estimated net worth at your target age. Adjust the inputs to see how different choices affect the outcome.