VectorValue Debt, Asset & Income Simulator
Project your investments, loans and mortgage forward in time — then stress-test with rate hikes, market crashes and job loss to see what holds and what breaks.
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Everything stays in your browser — no account, no tracking, no data ever sent to a server.
General
Income & living
Living expense changes (child, dependant, lifestyle upgrade/downsize, etc.)
Portfolio & returns
Cash / Emergency fund
Stocks / ETFs / Funds
⚠ Exceeds free cash — increase income or reduce debt / living expenses.
Bonds
Precious metals
Crypto
Cars
💡 Buying a car in the future? Two steps: (1) add the purchase price as a One-time expense (in the Events section below) so the cash leaves your portfolio at the right age, then (2) use + Add car below with the same age and starting value so the asset and its depreciation appear on the chart.
Real estate holdings
Other assets
Taxes & fees
Mortgage debt
Consumer debt
Advance debt repayment
⚠ Total allocations (investments + advance repayment) exceed free cash.
Lump-sum debt repayments
Government pension
In today's money. Will be inflated to the then-value in calculations.
⚠ State pension is an estimate based on current rules — actual entitlement may vary.
Private / workplace pension
When income can't cover expenses
One-time financial gains
One-time expenses
Stress Scenario Simulator — simulate adverse events to see how your finances hold up
📈 Interest rate changes (positive = rise, negative = cut)
📉 Market crash / recovery periods
💼 Income loss & re-employment
Wealth trajectory — assets vs debt
All real estate appreciates independently. Purple dashed = locked pension (merges at pension age). Hover for net worth.
Liquid assets
Real estate
Additional pension fund (locked)
Total debt
Monthly cash flow
Salary and living expenses grow with inflation. Investment slider defaults to free cash; turns red if exceeded.
Income
Debt payments
Investments
Living expenses
Net free cash