FinSimLab - Finance Simulation Lab
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A private sandbox for exploring life, investing, and retirement scenarios across countries, all in your browser. Start free, then unlock real-country tax models when needed.
Start Planning
Model your financial future with customisable life events and economic conditions.
Local taxes for multiple countries are modeled. See what happens when you move to another country.
Your scenario data stays on your device. We don't ask you to connect your bank account. We only get your email if you buy a license.
Test your financial plan against market crashes and adverse economic conditions.
Understand the probability of success with volatility-based simulations.
See a detailed year-by-year breakdown of the numbers. Hover to see where each number comes from.
Enter your current financial situation and goals, and expected economic conditions. Get detailed help for each field. It all stays in your browser. A guided setup helps you get started.
Create events for income, expenses, and major life changes like buying a house or changing jobs. A wizard is there to help you create events.
See how your financial future could unfold through detailed graphs and year-by-year breakdowns. Get a high-level overview or dive into the numbers.
Tweak assumptions, save versions, see where your plan is more likely to fail, learn which decisions actually move the needle.
I'm a software developer with a passion for financial literacy and an itch I needed to scratch.
When I started my investment journey I hired a financial advisor who gave me sound advice and a view of my financial future with nice charts and data. But the engineer in me wanted to play with the numbers and see how they impacted the outcome.
I first built a google sheet and shared it on reddit, but every time I made a change it forced users to make a new copy and re-enter their data. So I turned it into this website.
I believe that everyone should have access to tools that help them improve their financial understanding for more productive conversations with professional advisors.
I hope this tool helps you as much as it helped me.
Educational Purpose Only: This is not a budgeting tool nor financial, investment, tax, or legal advice. Don't make serious life decisions based on this. It's not a substitute for a good financial advisor.