Varied parameter
Investment return (expected)
3% → 7%
Investment Return Comparison
Freelancer / Contractor in Spain · Peak earning years
Simulation Overview
This simulation varies a single parameter while keeping all other assumptions constant.
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Scenario Comparison
Results are shown as a realistic range. P10 represents a pessimistic outcome (bad years, poor returns), while P90 represents an optimistic outcome (strong markets, good timing). Most simulations fall between these two values.
| Scenario | Median Net Worth | P10 Net Worth | P90 Net Worth | FI Probability | FI Median Age |
|---|---|---|---|---|---|
| 3% | 392,559.85 | 259,352.30599999998 | 593,859.109 | 82% | 59 |
| 5% | 555,622.7 | 356,887.78300000005 | 860,446.6190000001 | 97% | 56 |
| 7% | 810,114.755 | 516,229.715 | 1,277,530.849 | 99% | 53 |
How Your Financial Life Evolves
These charts show how each scenario affects long-term outcomes, including expected wealth, downside risk, and the likelihood of achieving financial independence.
Net Worth Median
Net Worth Range
Fi Probability
Fi Median Age
What This Means for You
The numbers above translate into real-life trade-offs between risk, reward, and the age at which financial independence becomes most likely.
What would you like to explore next?
You can apply this scenario to your own life, or continue exploring other assumptions within the same life path.