Interactive Financial Decision Lab
Move beyond static calculators. Discover financial cause-and-effect through connected, multi-decade scenario simulations tailored for Indian salaries, taxes, inflation, and market cycles.
Explore the 10 Learning Lab Simulators
Select a tool below to run interactive simulations, compare strategies, and explore trade-offs.
Financial Life Simulator (Multi-Decade Cash Flow & Milestones)
Model household income, essential vs discretionary expenses, debt amortizations, and life milestones from your first job through retirement.
Market Crash & Recovery Lab (Stress-Tester)
Stress-test an Indian equity/debt/gold portfolio through simulated 20%-60% market crashes. Compare continuing vs pausing SIPs and calculate recovery months to prior peaks.
Sequence-of-Returns Risk Lab (Decumulation Stress-Tester)
Demonstrate that identical sets of annual market returns produce completely different terminal outcomes when regular cash withdrawals or SIP inflows take place.
Lifestyle Inflation Simulator (Expense Creep Visualizer)
Observe how unchecked lifestyle inflation neutralizes career salary hikes, reduces savings rates over time, and pushes back your financial independence date by years.
Salary → Wealth Journey (Career Compounding Engine)
Connect career progression, promotions, job switches, and annual step-up SIPs to long-term wealth creation. Decomposes final wealth into own contributions vs market growth.
Debt Snowball vs. Avalanche Multi-Loan Simulator
Compare mathematical efficiency (Avalanche) vs psychological momentum (Snowball) across multiple Indian debts (credit cards, personal loans, car loans, home loans).
Emergency Scenario Simulator (Household Liquidity Stress-Test)
Test your household survival runway against sudden shocks: job loss, salary cuts, and medical emergencies. Calculate the exact month your reserves are exhausted.
Portfolio Rebalancing Sandbox (Allocation Drift & Turnover)
Simulate multi-asset allocation drift across equity, debt, and gold over 7-year market cycles. Measure the rebalancing alpha and turnover volume of calendar vs threshold rules.
Compounding Race (Procrastination vs. Early Starter Visualizer)
An interactive animated race among 4 investors: Early Starter, Delayed Starter, Step-Up Champion, and Catch-Up Investor. Calculates the exact rupee penalty of delaying.
Financial Decision Tree (Monthly Surplus Allocation Explorer)
A neutral consequence explorer for allocating an extra monthly surplus between emergency liquidity, high-interest debt, index SIPs, and short-term goals over 1 to 5 years.