Future Simulator
See your wealth timeline from 2030 to 2050. Compare what-if scenarios for savings rate, salary growth, and investment returns.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyWealth Timeline: Current vs What-If
Click chart to expand
Side-by-Side Comparison
Bars show relative size · ✓ marks the better option- 2031
- €34,504
- 2036
- €82,899
- 2041
- €150,774
- 2046
- €245,973
- 2051
- €379,494
- 2056
- €566,765
- 2031
- €49,279
- 2036
- €121,687
- 2041
- €228,078
- 2046
- €384,401
- 2051
- €614,090
- 2056
- €951,579
- 2031
- €29,764
- 2036
- €61,684
- 2041
- €96,776
- 2046
- €136,189
- 2051
- €181,249
- 2056
- €233,500
| Factor | Current Plan | What-If | Real Value |
|---|---|---|---|
| 2031 | €34,504 | €49,279 | €29,764 |
| 2036 | €82,899 | €121,687 | €61,684 |
| 2041 | €150,774 | €228,078 | €96,776 |
| 2046 | €245,973 | €384,401 | €136,189 |
| 2051 | €379,494 | €614,090 | €181,249 |
| 2056 | €566,765 | €951,579 | €233,500 |
Saving €700/month instead of €500 could add €3,84,814.255 to your wealth in 30 years.
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Best-case outcome with favorable assumptions.
Most likely outcome based on your inputs.
Conservative outcome with cautious assumptions.
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Wealth in 30 Years across its full range. Monthly Savings has the biggest impact.
Focus your attention on Monthly Savings — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Wealth in 30 Years: €566,765 (worst) → €566,765 (expected) → €566,765 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Compare your current financial path against alternative what-if scenarios across decades.
How the calculation works
Projects wealth at 5-year milestones using compound growth, salary increases, and inflation adjustments.
Formula
Wealth(t) = Wealth(t−1) × (1 + r) + Savings × 12
Example
Saving €500/month at 7% returns vs €700/month shows a €80,000+ difference over 30 years.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Future Simulator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Projects wealth at 5-year milestones using compound growth, salary increases, and inflation adjustments.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: Saving €500/month at 7% returns vs €700/month shows a €80,000+ difference over 30 years.
Factors to Consider
- Small savings increases compound dramatically
- Salary growth boosts savings capacity
- Inflation reduces real wealth
Common Mistakes
- Assuming constant savings rate as income grows
- Ignoring taxes on investment gains
Frequently Asked Questions
What scenarios can I test?+
Change savings amount, investment return, salary growth, and inflation to see different futures side by side.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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