Lifetime Financial Runway, Investment & Loan Simulator

The Lifetime Financial Runway, Investment & Loan Simulator provides a strictly private, client-side environment to project your long-term financial trajectory. It aggregates your current standing through the Current Capital registry, captures ongoing income and flexible spending, and layers in two dedicated modules for Investments and Loans & Debts. Each investment tracks a starting principal, an optional recurring contribution, and an expected annual return, while each loan tracks a starting balance, a recurring payment, and an annual interest rate. A Future Big Purchases module remains available to plot one-off milestones like a vehicle or property deposit against your projected cash position.

Under the hood, the calculation engine normalizes every recurring amount (from daily to yearly) into a standardized monthly equivalent, then runs an independent month-by-month simulation for each investment (compounding growth plus contributions) and each loan (accruing interest and applying payments to reduce principal, exactly like a standard amortization schedule). You can toggle whether investment contributions and loan payments are drawn from your monthly cash flow, letting you model both "these come out of my pay" and "these are handled separately" scenarios. Per-row summaries surface exactly when a loan is projected to be paid off and how much interest it will cost, or flag loans where the payment doesn't even cover the interest accruing.

Four interactive timeline views sit behind the same graph: Cash Runway (your liquid balance over time, including scheduled purchases), Net Worth (cash plus investment value minus outstanding loan balances), Investments (combined portfolio growth), and Loans (combined outstanding balance trending to zero). Because this application operates entirely within your local browser architecture to ensure absolute privacy, it never connects to external banking institutions or live market data feeds — all projections are deterministic, based strictly on your manual inputs, and assume a fixed nominal return/interest rate rather than variable market conditions, inflation, or tax effects. It is a mathematical visualizer for raw structural planning, not certified financial advice.