Multi-Track Wealth &
Debt Runway Simulator
Calculate your exact debt payoff month (M_free), then witness 100% of your freed cash flow explode across 4 simultaneous wealth accumulation tracks.
Current Debt
Tell us how much you owe so we can calculate your fastest payoff date.
Monthly Savings Power
How much cash can you comfortably put towards your goals each month?
Your Freedom Goal
Pick the net worth milestone you want to reach:
You can be completely debt-free in 1 yr 2 mos, then reach $1,000,000 in 10 yrs! 🎉
How the snowball works: First, you direct your $1,200/mo to wipe out your $15,000 debt. The exact month you finish (Oct 2027), 100% of that payment immediately rolls into investments—turning your cash into an automatic compounding machine.
You eliminate $15,000 balance and free up $1,200/mo permanently.
Your investments cross $1,000,000, generating safe passive income.
Live Trajectory Race Visualizer
Simultaneous growth paths comparing nominal net worth over runway time
Choose Your Path to $1,000,000
Compare the 4 proven routes to financial independence and pick the style that fits your life.
The Side Hustler
Build extra digital cash flow ($500–$3,000/mo) and invest 100% of the profits.
The Landlord
Buy physical properties and let tenant rent pay down your mortgages.
The Steady Builder
Best for 90% of people who want to automate their money on autopilot.
The Safe Vault
Zero risk of losing dollars, but slower because price inflation eats growth.
Mathematical Engine & Architecture
How our deterministic multi-phase algorithms calculate your runway timelines and variance scores.
1. Debt Domino Amortization Engine
Debt balances are calculated with standard monthly interest compounding:
B_(m+1) = B_m · (1 + APR/12) - Payment_m
When the balance reaches $0 in exact month M_free, the engine captures any residual monthly surplus and automatically routes 100% of your debt payment into wealth accumulation tracks in month M_free + 1.
2. Passive Compounder (FIRE Index)
Simulates monthly compounding into global market indices (e.g. MSCI World / S&P 500) at 8.0% nominal annual return (r = 0.08 / 12):
NW_(m+1) = NW_m · (1 + 0.08/12) + CashFlow_m
Carries a 92% Certainty Score backed by 100+ years of index data with a ±15% annual standard deviation volatility band.
3. Leveraged Real Estate (80% LTV BRRRR)
Utilizes a 5x equity multiplier (20% down payment hurdle per $150k property unit):
Equity_Growth = (Property_Val · 4.5% Apprec) + (Equity · 6.0% Net Yield)
Liquid cash reserves pool until crossing the $30k down payment threshold, instantly unlocking stair-stepped property equity appreciation and tenant debt paydown.
4. Founder / Solopreneur Sprint
Injects non-linear digital business cash flows starting at +$500/mo scaling to +$3,000/mo and 20% YoY reinvested into index assets:
Monthly_Contribution = Base_Cash + Digital_MRR(month)
Offers the fastest mathematical timeline to $1M, weighted with a 24% Certainty Score to account for execution plateau risk.
Frequently Asked Questions
Everything you need to know about wealth runway calculations and FIRE modeling.
What is Month M_free and how does the cash flow rollover work? ▼
Month M_free is the exact calendar month when your total debt principal reaches zero. In traditional budgeting, people often inflate their lifestyle after paying off debt. In our wealth runway engine, 100% of the freed debt payment is automatically redirected into investment compounding starting in month M_free + 1, triggering exponential wealth acceleration.
Should I choose the Avalanche, Snowball, or Consolidation loan strategy? ▼
The Avalanche method is mathematically optimal as it eliminates high APR debt first (minimizing total interest paid). The Snowball method builds psychological momentum by wiping out smallest balances first. A 7.5% Consolidation Loan swaps high-interest consumer debt (e.g. 18-24% credit cards) into a single low-rate payment, saving thousands in interest charges.
How does the Certainty Score work across the 4 tracks? ▼
Certainty scores reflect historical volatility, barrier to entry, and execution risk. High-Yield Defensive carries 99% certainty (FDIC insured cash), Passive Compounder carries 92% (broad market resilient over 10+ years), Leveraged Real Estate carries 68% (tenant vacancies & liquidity friction), and Solopreneur Sprint carries 24% (high execution variance).
How do I share my custom simulation scenario? ▼
Every slider movement and strategy change automatically serializes into the browser URL without reloading the page. Click the 'Share Scenario' button in the top bar to copy your deep-linked scenario directly to your clipboard.