Financial life simulator
Will your money survive real life?
Firecast plays out your finances one month at a time, through layoffs, divorces, market crashes and retirement. Test your saving and spending habits before life does.
- Mar · 34Laid off7 months of runway in the emergency fund
- Sep · 38PromotionIncome +18%, savings rate held at 22%
- Jun · 41DivorceAccounts split 50/50, second rent for 14 months
- Oct · 52Market crashStocks −38%; kept investing through the dip
- Jan · 63RetiredTwo years earlier than planned
How it works
- Step 1
Enter your household
Salary, side hustles, savings, debts, dependents, and your partner. Quick mode takes about three minutes.
- Step 2
Pick a scenario
A normal life, a recession at 35, a single-income family, or a replay of 2008. Or build your own.
- Step 3
Watch it play out
Month by month, with real-life events at realistic odds. Then change one habit and replay the same life.
It tests your habits, not just your numbers
Retirement calculators assume a smooth line. Real lives are lumpy. Firecast keeps the same life events when you change one habit, so every comparison is fair.
- Emergency buffer
- How many months you can go without income before something breaks.
- Savings rate
- Whether saving 5% more changes your retirement age, or your stress months.
- Diversification
- What happens when a layoff and a crash arrive in the same year.
- Lifestyle creep
- What a raise is worth once your spending rises to meet it.
Your numbers stay on your phone
The simulation runs on your device. When you share a result, only percentages and months leave it, never your balances. We don't sell data and we don't show ads.