Strategy library

Financial strategies, explained and simulated

Each page says what a strategy is, how it works, what can go wrong and what it assumes, then lets you run it with your own numbers. It describes what each strategy does. It does not tell you which to choose.

Savings

Recurring deposit: save the same amount every month

Model a recurring deposit: save a fixed amount every month at a stated rate and see the contributions, interest and final balance, year by year.

Step-up savings: raise your deposit every year

See what happens when a monthly saving rises by a set percent each year, compared with saving the same amount all the way through.

Wealth building

Lump sum vs recurring: invest it all now or a bit each month

Compare putting a sum in all at once with spreading the same total over monthly deposits, at the same assumed rate.

Reinvestment

Deposit ladder: staggered maturities and reinvestment

Model a deposit ladder: split a sum across deposits of different lengths, reinvest part of each maturity, and see the cash that comes out and when.

Debt and cash flow

Extra debt payments: how much interest an extra payment saves

See how long a debt takes to clear and how much interest it costs with the minimum payment, and what a regular extra payment changes.

Fit it to your own money

Add your goals and monthly picture in the Goal check to see whether a plan fits, and what each way of closing a gap would do.

Open the Goal check