Scenario simulator
Important decisions are made years in advance. The simulator starts from your real data (balances, portfolio and amortization schedules) and projects how your net worth evolves under the assumptions you choose.
Scenario simulator
Projection over 10 yearsContribution
€800/mo
Return
5.0% per year
Final net worth
€589,733
+105%
It starts from your numbers, not a generic example
The projection starts from your current net worth and outstanding debts with their real schedule, so the result isn't a generic estimate — it's your own trajectory.
- Monthly contributions to savings and investing
- Expected return and inflation
- One-off or recurring extra debt payments
- Horizon of up to 30 years
Comparing is where the value is
Save several scenarios (pay down debt vs. invest, move house, cut working hours) and view them side by side to understand the cost of each choice in final net worth and years of debt.
Financial health at a glance
Alongside the projection, the savings-rate, emergency-fund and debt-ratio indicators tell you whether the plan is sustainable starting today, not just twenty years from now.
Frequently asked questions
- Is this investment advice?
- No. It's a calculation tool that runs on the assumptions you enter; netclariq doesn't provide financial advice or recommend products.
- Can I simulate retirement?
- Yes. Just set the horizon and the point where you stop contributing to see how long your net worth would last at a given spending level.
Keep exploring
- Net worth
Accounts, investments, assets and debts in one figure, with a monthly history.
- Budgeting
Planned vs. actual by category, with yearly planning and variance alerts.
- Investments
Portfolio valued at market price, per-asset IRR and FIFO gains ready for tax time.