See Your Financial Future Unfold Over 20 Years
Simulate two decades of saving, investing, and wealth-building to discover the retirement strategy that actually works for your income and lifestyle. Stop guessing. Start simulating.
The gap between where you are and where you need to be
Most people don't know if their strategy will work until it's too late to change course.CapitalLab lets you test decades of decisions in a single afternoon.
Average retirement savings for Americans
The median retirement savings for American households is just $65,000 — barely enough to cover two years of expenses. Most people are drastically underprepared.
What most financial advisors recommend
To maintain a comfortable lifestyle in retirement, you'll need roughly 25x your annual expenses saved. For most people, that means $1.2M to $1.8M in investable assets.
Of Americans are behind on retirement savings
More than half of American workers feel they're not on track for retirement. The problem isn't just income — it's not having a tested strategy to follow.
Test every retirement strategy before you commit
Run each strategy through 20 years of market conditions, life events, and economic cycles. Find the approach that matches your risk tolerance and goals.
Aggressive Stock Investing
Go heavy on growth stocks and index funds like VOO, QQQ, and individual tickers. See how market volatility, compound growth, and dividend reinvestment play out over 20 years.
- 80%+ in stocks and index funds
- Higher volatility but greater long-term returns
- Best for younger investors with time to recover
- Practice riding out market downturns
Balanced Portfolio
Split your investments between stocks, bonds, and real estate. The classic 60/40 approach (or your own mix) balances growth with stability.
- Mix of stocks, bonds, and real estate
- Lower volatility with steady growth
- Rebalance as you approach retirement age
- See how diversification protects your wealth
Real Estate Income Strategy
Build a portfolio of rental properties that generate passive income. Use leverage to acquire properties and watch cash flow compound as you pay down mortgages.
- Buy rental properties for passive income
- Use leverage to accelerate acquisition
- Build equity through mortgage paydown
- Replace your salary with rental income
Hybrid Approach
Combine all three — stocks for growth, bonds for stability, and real estate for income. This is what most successful retirees actually do.
- Diversify across all asset classes
- Multiple income streams in retirement
- Real estate provides inflation protection
- Bonds cushion against market crashes
The same $500/month produces dramatically different results
Time is the most powerful variable in wealth building. CapitalLab lets you see exactly how starting earlier (or later) changes your outcome over 20 simulated years.
Starting at 25 with $500/month invested in index funds averaging 8% returns gives compound interest the maximum runway. This is the power of time.
Just 5 years later, the same $500/month produces $340,000 less. Those 5 years of missed compound growth are incredibly expensive.
Waiting 10 years to start costs you over $620,000 in potential wealth. To match the 25-year-old, you'd need to invest over $1,000/month.
Every metric that determines your retirement readiness
Net Worth Growth
Watch your total net worth grow month by month as investments compound, properties appreciate, and debt gets paid down. See the full trajectory over 20 simulated years.
Passive Income Streams
Track income from rental properties, stock dividends, and bond interest. See how your passive income grows and when it could replace your working salary.
Investment Returns
Detailed performance tracking for every investment — stocks, bonds, and real estate. Compare actual returns against your projections and learn from every market cycle.
Expense Projections
See how inflation affects your living costs over time. Plan for rising healthcare, housing, and lifestyle expenses so your retirement income keeps pace with reality.
See your retirement future today.
Stop guessing whether you're saving enough. Simulate 20 years of financial decisions and discover the exact strategy that gets you to retirement comfortably.