Varied parameter
Saving rate
5% → 25%
Saving Rate Comparison
Software engineer in Romania · Independent and uneven
This page compares financial outcomes for a Software engineer living in Romania, following the Independent and uneven life scenario.
A non-linear income path shaped by project-based work, variability, and self-managed risk. Flexibility is high, but consistency must be actively created rather than assumed.
The comparison focuses on how changing the Saving rate influences long-term results, while all other assumptions remain constant.
Simulation Overview
Base scenario assumptions
- The simulation starts at age 30 and runs until age 65.
- The initial annual income is €30,800.
- Income grows annually at an average rate of 4%.
- An income tax rate of 10% is applied to gross income.
- The saving rate varies between 5% and 25%.
- Minimum annual living expenses are €9,000.
- Savings are invested with stochastic annual returns.
- The average annual return is 5%, with year-to-year variability.
- All values are expressed in real terms, assuming average annual inflation of 3%.
- The simulation includes stochastic life events such as unemployment, and health issue.
- These events may temporarily affect income, expenses, or net worth.
- Financial independence is defined as having net worth equal to 25 times annual expenses.
- Bankruptcy is triggered if net worth remains below €0 for 2 consecutive years.
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Scenario Comparison
Results are shown as a realistic range. P10 represents a pessimistic outcome, while P90 represents an optimistic outcome.
| Scenario | Median Net Worth | P10 Net Worth | P90 Net Worth | FI Probability | FI Median Age |
|---|---|---|---|---|---|
| 5% | 212,005.055 | 137,477.788 | 325,332.572 | 44% | 62 |
| 10% | 424,010.11 | 274,955.58499999996 | 650,665.144 | 97% | 56 |
| 15% | 636,015.165 | 412,433.373 | 975,997.716 | 100% | 51 |
| 20% | 848,020.225 | 549,911.1699999999 | 1,301,330.289 | 100% | 48 |
| 25% | 1,060,025.2799999998 | 687,388.958 | 1,626,662.852 | 100% | 46 |
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
