Interactive
Simulators & toys
Play with the numbers and see what happens: the time machine, DCA vs lump sum, inflation erosion and the money lessons. Everything is educational and runs entirely in your browser.
Personal plan · live
My financial plan
Put your income, spending and loans in one place, see what’s left each month and — if you invest it — when you’ll reach your goal.
1 · Income
Salary, bonuses, vouchers, dividends. Don’t know the breakdown? Switch to “Total”.
2 · Spending & loans
How much you spend and the loan payments you make.
Loans
Paid off in 3y 0m · interest 719 €
3 · What’s left
Monthly surplus
327€/mo
If you invest this surplus (327 €/mo), here’s how fast your capital grows below.
Pointers
General educational rules — not personal advice.- Expensive loan (9% rate). Paying it off is a “guaranteed” return equal to its rate — often before investing in the market.
- Before investing it’s wise to hold an emergency fund of 3–6 months of spending (≈ 3,930–7,860 €). You have 3,000 € now.
- Every extra 100 €/mo brings the goal closer by another 1y 6m.
4 · Invest and reach the goal
You reach the goal in 8y 5m at age 38.
After 40 yr: 906,373 €Year 0 · age 30 → 3,000 €
Or pick a goal:
You invest 327 €/mo (your monthly surplus).
Your plan is stored only in your browser. This is an educational illustration with a constant return, not advice or a forecast. Real markets vary.
Time machine
If you had invested…
See what your money would be worth today if you had invested it years ago in different assets.
By 2026, you'd have
$7,142
Visualization
The Snowball
See how contributions grow over the years — and how, at some point, interest starts to earn more than the contributions themselves.
Final amount
108 224€
Invested
49 000€
Interest earned
59 224€
After 20 yrs, the €49 000 you invested grows to €108 224 — €59 224 of it is pure profit from compound interest.
A simplified model with constant return — educational, not a forecast.
The small-spend effect
The coffee you drink
A small daily expense feels harmless. But if you invested it instead — see how much it adds up to over time.
You could have had
79 224€
Contributed
36 500€
Growth
42 724€
If you invested that money instead of spending it, after 20 yrs it would grow to 79 224 €.
A hypothetical illustration at a constant return — not a forecast or advice. Past performance does not guarantee the future.
Strategy
DCA vs lump sum
Invest it all at once or in installments? See who wins in different markets — with the same total over 3 years.
Lump sum
4796€
In installments (DCA)
4186€
The lump sum wins by 14.6% here — the money works for longer.
Historical takeaway: a lump sum often beats DCA in a rising market (money in play sooner), but DCA lowers the risk of bad timing and is psychologically easier to stick with.
Illustrative scenarios, not real data and not a forecast.
Purchasing power
The Inflation Thief
Money that just sits there quietly loses value. See how much inflation eats from your cash.
Will buy as much as
456€
€1000 under the mattress today will buy what €456 buys in 20 years — inflation eats 54% of its value.
At 4%, prices double in ~18 years — by then your cash buys half as much.
A simplified model with constant inflation — educational, not a forecast.
Costs
The Power of a 1% Fee
A small annual fee looks harmless — but over decades it eats a huge share of your money.
Final amount after fees
56 308€
Without fees
76 123€
Eaten by fees
19 815€
With a 1% fee over 30 yrs, you lose €19 815 — 26% of what you'd have without fees.
A simplified model with constant return — educational, not a forecast.
Risk
Diversification's Free Lunch
Two assets with the same volatility carry lower risk together — as long as they don't move in sync.
Portfolio volatility
12.2%
Risk saved: 2.6%
At a correlation of 0.2, portfolio volatility is 12.2% — below the 14.8% weighted average. That's diversification's “free lunch”.
A simplified two-asset model — educational, not a forecast.
Investor profile
What kind of investor are you?
Five questions about your horizon, goals and risk tolerance. At the end we suggest a sample allocation you can then fine-tune yourself. It's not advice — a starting point for reflection.
When will you first need this money?
Your portfolio drops 25% in a month. How do you react?
What's your main goal?
How much investing experience do you have?
Do you have an emergency fund outside your investments?
Interactive
Allocate your portfolio
Shift the weights of the asset classes and see how the risk/return profile changes. The numbers are long-term illustrations, not a forecast.
Risk / return profile
- Stocks50%
- Bonds25%
- Gold5%
- Cryptocurrencies5%
- Cash / deposit15%
- Expected return
- 5.3%
- Risk
- 9.9%
Risk profile: Balanced · diversification lowers risk by 3.5 points
Illustrative long-term assumptions for return, volatility and correlation — not a forecast and not a recommendation. Past performance does not guarantee future results.
Three money lessons
Small truths with a big effect
Three quick interactive lessons on risk, time and interest.
−50% needs +100%
The deeper the drop, the steeper the road back.
Gain needed to recover
100%
After a 50% drop, you need a 100% gain just to get back to even.
The cost of waiting
Every year of delay is costly because of the compounding you lose.
Less at retirement
81 980 €
5 yrs of delay ≈ 81 980 € less after 30 yrs (at €200/mo, 7%/yr).
The Rule of 72
A quick mental estimate: how many years it takes money to double.
Doubles in
9.0yrs
72 ÷ 8 ≈ 9.0 years to double.
Simplified models for illustration — not a forecast.