TOOLS
A few simple tools to help you see the structure of time and cash flow more clearly. These are simulations to support decisions, not promises or forecasts.
Tip: try changing one variable at a time (duration, contribution amount, interest rate, repayment method) to feel the "sensitivity" of your financial plan.
See the power of discipline over time: contribute monthly and observe the growth table year by year.
Simulate debt repayment cash flow using different methods: declining balance, annuity, and flat interest.
"Translate" goals across time: calculate FV, convert PV, and estimate required monthly contributions.
Answer a few range-based questions to get a full picture: balance sheet, cash flow, 12 ratios, 6-axis radar, and a 3-step roadmap.
Cash-flow simulation: annual premium, top-up, initial charge, risk charges, and account value by year.
If you'd like another perspective on goals, timelines, or how to split cash flow between "accumulation" and "obligations", we can talk.