How your career and location shape your financial life
Explore how different careers, cities, and financial choices interact over time — and how uncertainty compounds across decades.
Financial Life Simulator is an educational tool that explores how real financial lives unfold based on career paths, geographic context, and long-term decisions.
Most financial plans assume everything goes right. Real life rarely does.
Careers evolve unevenly, cities differ dramatically in cost of living and taxation, markets fluctuate, and unexpected events interrupt even the best intentions.
This site uses Monte Carlo modeling to simulate thousands of possible financial futures, helping you understand not a single outcome, but the realistic range of paths your life may take.
Explore careers and locations
Start from a real-world context — your career and where you live — and see how different financial strategies play out over a lifetime.
What if your path doesn’t fit any predefined model?
Build your own financial path by adjusting income, saving behavior, investment assumptions, and risk exposure. The calculator lets you explore how sensitive long-term outcomes are to change.
Build your financial path →