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YearsAhead Life Simulator

Define your financial baseline and life events — see your finances from now to 90

Life Plan

Syntax Help

Baseline
age 28
retire 65
income $85,000 +3%/yr
savings $30,000 @7%
save 15%
Life Events
@31 Buy a house $350,000 down 20% mortgage 30yr 6.5%
@32 Have a kid $1,200/mo for 22yr
@35 Buy a car $35,000 loan 5yr 5%
@50 Buy a car $65,000
@65 Retire withdraw 4%
Tips
# lines are comments, blank lines are ignored
Kid cost defaults to 18yr if "for Nyr" is omitted
Amounts can use commas: $350,000 or plain: $350000
Past events are supported — e.g., "@25 Have a kid" at age 30 models remaining costs
"retire 65" sets the timeline marker; "@65 Retire withdraw 4%" triggers retirement cash flow

Import / Export

Define your life plan to see a lifetime financial projection.

See a demo with house purchase, kids, cars, and retirement

Assumptions & Limitations

Annual granularity — Simulation runs year-by-year. Intra-year timing differences are not modeled.
Fixed return rate — Investments earn a constant annual return. Actual market returns vary.
No inflation — All values are nominal. Real purchasing power will differ.
No taxes — Income tax, capital gains, and property tax are not modeled.
Simplified withdrawal — Retirement withdrawal covers all living expenses. Debt and kid costs come from the same pool.
No Social Security — Social Security income is not included in retirement projections.