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Wealth Building Simulator
Drag the levers and watch your net worth respond. See when you can retire, when you'll be debt-free, and how today's choices compound over 20 years.
About you
Current age30
Current savings/investments$25K
Income & savings
Annual income$70K
Annual raise2%
Savings rate15%
Share of take-home pay you save & invest
Investment return6.5%
Effective tax rate25%
Debt
Current debt$15K
Payoff timeline7 yr
Debt interest rate5%
Retirement
Retirement age65
Retirement spending / yr$50K
In today's dollars — sets your target nest egg (25×)
Net worth in 10 yrs
$138K
at age 40
Net worth in 20 yrs
$402K
Can retire at
age 64
target $1.25M
Debt-free at
age 38
$3K interest
Projected net worth
Solid line = your plan at 6.5% return. Shaded band = the range if returns run ±1.5% (≈5.0%–8.0%).
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Adjust the levers, save the plan as A, change them, then save as B to compare side by side.
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📖 Social Security Claiming Strategies: When to Claim for Maximum BenefitEducational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →