Tool 48 · Personal Finance

Personal Finance Life Simulator

Project your net worth trajectory over time. Compare snowball vs avalanche debt payoff side-by-side. Model 401(k)/IRA retirement scenarios with employer match. Estimate tax impact. Export your schedule as CSV or a plain-language financial summary. No data ever leaves this page.

v1.0 Life Projection Debt Payoff Engine Retirement Modeller

Your Finances

Income & Spending

Current Age Annual Gross Income ($) Annual Expenses ($) Effective Tax Rate (%) Annual Income Growth (%)

Assets

Current Savings / Cash ($) Current Investment Portfolio ($) Investment Return (%/yr) Home Value ($) — 0 if renting Home Appreciation (%/yr)

Debt

Mortgage Balance ($) Mortgage Rate (% APR) Student Loans ($) Student Loan Rate (%) Credit Card Debt ($) CC Interest Rate (%) Extra Debt Payment ($/mo)

Retirement

401(k) Annual Contribution ($) Employer Match (%) IRA Annual Contribution ($) Target Retirement Age Current Retirement Balance ($)

Net Worth Trajectory

              — Total Net Worth
              — Retirement Balance
              — Total Debt
            

Life Milestones

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Annual Net Worth Schedule

Age/Year	Income (Net)	Investments	Retirement	Home Equity	Total Debt	Net Worth