LifeAlpha

"The best investment you can make is in yourself and your financial future."

— Warren Buffett

Trusted by investors

12K+

Users

98%

Accuracy

$2.4B

Modelled

Net Worth

$34,500

savings + assets

Monthly surplus

$3,500

income − expenses

Goal probability

—

last simulation

Simulations run

3 remaining today

Wealth projection

10-year horizon

Median Best Worst

Financial health score

B+

/100

At riskExceptional

Savings rate43.8%

Emergency fund92% covered

Investment ratio15% of income

Recent simulations

Scenario	Goal	Probability	Projected	Risk
Conservative 10yr	$300K	78%	$284K avg	Low
Aggressive 15yr	$800K	51%	$612K avg	High
Moderate base case	$500K	63%	$447K avg	Medium

Monte Carlo engine — 1,000 paths per simulation with volatility clustering, inflation adjustment, and behavioural bias modelling

Simulation inputs

Adjust parameters and run the engine

Income & Expenses

Monthly Income

$8,000

$1K$30K

Monthly Expenses

$4,500

$500$20K

Wealth & Goals

Current Savings

$25,000

$0$500K

Monthly Investment

$1,200

$0$10K

Financial Goal

$500K

$50K$5M

Time Horizon

10 years

1 yr40 yrs

Risk & Behaviour

Risk Profile

Conservative

Moderate

Aggressive

Behavioural Bias

0%30%

Inflation Rate

2.5%

0%8%

No simulation yet

Configure your parameters on the left and click Run Simulation

Spending intelligence — can I spend today?

Current profile

Disposable income$3,500/mo

Emergency fund92% of target

Safe to spend$1,400 this month

Verdict

You can spend today

Your emergency fund is healthy and investments are on track. Discretionary spending up to $1,400 is safe this month.

AI-driven insights

Pro feature

Strong savings trajectory

At your current savings rate of 43.8%, you will reach your $500K goal 2.3 years ahead of your 10-year target on the median projection.

Behavioural drag reducing returns

A 5% behavioural spending bias costs you approximately $18,400 in projected wealth over 10 years. Reducing this to 2% adds $11,200.

Inflation sensitivity alert

At 3% inflation your real return drops to 2.1%. Consider inflation-linked assets for 20–30% of your portfolio to preserve purchasing power.

Worst-case scenario stress

In the bottom 10% of simulations, you reach only $127K by year 10. An additional $300/month investment eliminates this risk zone.

Pro Trial — 11 days remaining

Trial ends 12 May 2026. Add a payment method to continue uninterrupted.

Free

$0/month

10 simulations per day
Basic Monte Carlo engine
3 saved scenarios
No comparison mode
No AI insights

LifeAlpha — financial simulation SaaS platform with authentication, dashboard, simulator, billing, and settings.