Personal Finances Simulation
How to Use the Simulation
This tool simulates your personal finances over time. Adjust the sliders to set your age, initial capital, monthly savings, and initial debt. Click 'Calculate' to see how these factors can impact your financial situation up to your retirement age. The graph will display the projected net balance, investment balance, and current debt over the years.
About the Simulation
The simulation uses a fixed 5% annual investment return, increases the monthly savings target by 2.5% each year, keeps 10% of annual savings outside the projected investment balance as an emergency reserve, and pays the initial debt down evenly over 20 years without interest. It shows investment balance, remaining debt, and net balance. This is a simplified educational model, not financial advice.