Visually build and compare personal financial scenarios
- Build visually
Add items to the scenario canvas such as salary, a savings account, a home loan or a share portfolio. See visual charts and tables of the projected outcomes. - Adjust the assumptions
Change the figures and assumptions to see how they affect the projected outcomes. - Model adding portfolio items over time
Add a property in year 5 or shares in year 3 and see how your portfolio grows over time. - Compare scenarios
Place scenarios side by side to see how different assumptions change the projected outcome. - Save and share
Save your scenarios for later access, and choose to get a shareable link so others can open a copy. - General information and modelling only, not financial advice.
Example Scenarios
Simple scenarios to demonstrate the tool.
Salary & savings
A single income, yearly living costs and a savings account. A simple starting point to see how surplus cash builds up over time.
OPEN SCENARIOBuying a home
Models a home purchase with a deposit and a mortgage, alongside income and savings, to illustrate loan balance and property value over time.
OPEN SCENARIOInvestment property
Models a rented property with a loan, rental income, management fees and running costs to illustrate cash flow and growth assumptions.
OPEN SCENARIOShare portfolio
Models a share or ETF portfolio with regular yearly contributions, a growth assumption and dividends, funded from income.
OPEN SCENARIOGrowing your portfolio
Side-by-side scenarios that illustrate how different assumptions can change an investment portfolio over time.
Buy & hold vs trading
Compares a buy-and-hold portfolio with one that sells and rebuys every year, using the same example growth rate. Differences reflect only the assumed fees and the timing of tax on gains.
OPEN SCENARIOGrowth vs value stocks
Compares two portfolios with different example assumptions: higher assumed growth with a low dividend yield, and lower assumed growth with a higher dividend yield. The figures are illustrative only and do not reflect expected returns.
OPEN SCENARIOPaying off debt
Side-by-side scenarios that illustrate how loan repayment choices and other uses of surplus cash could play out.
Invest surplus vs pay off mortgage
Compares putting the same yearly surplus into a share or crypto portfolio with using it for extra repayments on an existing home loan. Results depend entirely on the assumed investment return, loan rate and tax.
OPEN SCENARIOLump sum payment
Compares an existing home loan with the same loan after a one-off lump sum payment, to illustrate the effect on the loan balance and total repayments.
OPEN SCENARIOExtra repayments
Compares an existing home loan with the same loan when extra repayments are made every year, to illustrate the effect on the loan balance and total repayments.
OPEN SCENARIO