Finance Simulator

Project your financial future with detailed cash flow and asset growth simulations.

Simulator Settings

Simulation Duration

Inflation (%)

Incomes

Name

Monthly Amount

Expenses

Assets & Cash

Idle Cash Reserves

Starting Amount

*Surplus income calculated after expenses and investments flows here. Growth is 0%.

Investments

Name

Initial

Monthly

Growth %

How It Works

💡 Calculation Methodology

The simulator runs month-by-month calculations for the specified duration. Each month follows this precise order:

Calculate total income and expenses for the month
Compute monthly surplus (income - expenses)
Determine investment contribution (capped by available surplus)
Update cash balance (surplus - contribution)
Apply monthly investment returns
Add contribution to investment balance

⚠️ Negative Cash Balance

If your expenses exceed your income and cash reserves, the Cash Balance will become negative, representing unsecured debt or overdraft. This is displayed in red in the results. When cash is negative, you cannot contribute to investments.

📈 Investment Contributions

You can only contribute to investments if you have a positive cash surplus for the month. The actual contribution is the minimum of your target monthly contribution and your available surplus.

📊 Inflation & Growth

Expenses increase annually based on the inflation rate you specify. Income streams grow annually based on their individual growth rates. Both adjustments happen at the start of each year (except year 1).

🎯 Precision

All calculations use the decimal.js library to ensure mathematical precision without floating-point errors. This guarantees accurate financial projections.