Simulate how life's biggest decisions affect your finances. Model promotions, home purchases, career changes, relocations, and more — then see the long-term impact on your wealth trajectory.
Scenario modifiers
Optimistic
€1.1M
Baseline
€743k
Pessimistic
€406k
Life scenario planning goes beyond simple budgeting or retirement calculators. Instead of assuming your income and expenses stay constant, it lets you model real life: what happens to your finances if you get promoted next year? If you buy a home in three years? If you take a pay cut to change careers? If you move to a cheaper city? Each scenario shows a different financial trajectory, helping you make decisions with clarity instead of anxiety.
Traditional financial calculators assume you earn the same salary, save the same amount, and spend at the same rate for 30 years. Nobody's life works that way. Your income will change. Your expenses will shift as you have children, relocate, or pay off debts. Life scenario planning acknowledges this reality by letting you layer events onto your financial projection — giving you a range of outcomes instead of a single unrealistic line on a chart.
The most impactful scenarios to simulate are: career changes (promotions, new jobs, or going freelance), housing decisions (buying, renting, or relocating to a different city or country), family changes (having children, supporting aging parents), major purchases (car, education), and lifestyle shifts (taking a sabbatical, retiring early, or switching to part-time work). Each of these can move your financial timeline by years — in either direction.
W(t) = W(0) × (1 + r)t + Σ (S(i) × (1 + r)t-i)
The simulator projects your wealth forward using your current savings, income, expenses, and expected investment return. When you add a life event — like a salary increase in year 2 or a large purchase in year 5 — it recalculates the trajectory from that point forward. The result is a dynamic projection that reflects your actual planned life, not a theoretical constant.
Starting with €40,000 saved, earning €5,500/month and spending €3,500/month at 6% return: your baseline projection reaches €350,000 in 10 years. Add a promotion to €7,000/month in year 2 and a €50,000 home deposit in year 4 — the simulator shows you still reach €380,000 by year 10 because the higher income more than compensates for the large outlay.
Start with your baseline scenario (current income, expenses, no changes) to establish a reference point. Then layer in one event at a time to see each decision's individual impact.
Model both optimistic and pessimistic scenarios. What if the promotion doesn't come? What if expenses increase by 20%? Seeing the range of outcomes reduces anxiety and helps you prepare.
Pay special attention to the timing of large expenses. A €50,000 home deposit in year 3 vs. year 5 can make a €30,000+ difference to your 10-year wealth because of lost compounding time.
Use this tool before major life decisions — not after. The best time to simulate buying a home, changing careers, or relocating is before you commit, when you can still adjust the plan.