Financial Life Simulator
Set your starting point, then make the big life decisions: a car, a home, a career break, a market crash. Watch how each choice changes your wealth by retirement.
How the simulator works
Each year until age 60, the simulator adds what you invest from your salary (which grows with your yearly raise), grows your investments at the return you set, and applies the consequences of the life decisions you make. Choices change your path immediately, so you can compare, for example, buying a car outright with taking a loan, or staying invested through a crash with selling in panic.
What it teaches
- Big purchases have long shadows: ₹8 lakh spent at 30 can mean several times that missing at 60.
- Panic-selling hurts twice: you lock in the loss and miss the recovery.
- Raises are your secret weapon: investing part of every increment grows wealth faster than any fund choice.
It's a simplified educational model with a steady return and no taxes. For precise planning, use the retirement calculator and the step-up SIP calculator.
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