Carlo / Financial Decision Simulator
See your future
before you choose it.
Every financial decision you will ever make has already played out somewhere in the math. Carlo shows you where.
Describe your life in plain language. Carlo models your entire financial future forward through time and shows you alternate futures side by side, so you never make another financial decision blind.
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Body text. Financial planning is not a luxury. It is the difference between guessing and knowing, between anxiety and calm, between a future that happens to you and one you chose.
Secondary text. Updated March 2034. Based on current savings rate, tax assumptions, and projected market returns of 7.2% annualized.
Specimen: Data Card
Milestone Reached
$1M
Net worth crosses one million
When
March 2034
vs. Original Plan
14 months ahead
Confidence
87%
Attention Needed
$180K
Projected retirement shortfall at current savings rate
Gap Closes With
+$400/month
Current Fulfillment
71% of target
Specimen: Scenario Comparison
Two futures. One decision.
Every choice forks your timeline. Carlo shows you both paths before you commit.
Scenario A
Buy the house
Retirement Age
62
Net Worth at 60
$2.1M
Monthly Cash Flow
$3,200
After mortgage, taxes, insurance
Equity at 60
$680K
Home equity builds a floor under your net worth
Scenario B
Keep renting
Retirement Age
58
Net Worth at 60
$2.4M
Monthly Cash Flow
$4,800
After rent, utilities, renter's insurance
Trade-off
$0 equity
Higher liquidity but no real estate hedge
Buying costs 4 years of retirement and $300K in net worth. Renting costs $680K in equity.
Neither is wrong. Now you can choose with your eyes open.
Specimen: Color Palette
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#FFFFFF
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#E8E8E4
Text Primary
#1A1A18
Text Secondary
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Text Tertiary
#8A8A86
Accent
#1B4332
Accent Light
#2D6A4F
Positive
#1B4332
Negative
#92400E
Lead Text
#3D3D3A
Shadow
#F5F5F3
Specimen: Typography
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$2,847,000
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Your retirement is on track.
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Two adjustments close the gap entirely.
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Emergency fund crosses 6 months in September.
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Net gain after tax: $312,000 over 20 years.
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At your current savings rate, you will reach your down payment goal by August 2027. If you increase your monthly contribution by $400, that date moves to March 2027 — five months sooner. Your emergency fund stays above six months throughout.
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Specimen: Conversation to Structure
You
What if I switch to a $120K job?
Carlo
Switching from $145K to $120K changes three things in your plan. Here is what moves.
Retirement Date
Moves Later
58
61
+3 years
Net Worth at 60
Decreases
$2.4M
$1.9M
-$540K
Emergency Fund
Still Safe
8.2 mo
6.4 mo
Above 6-month floor
The $25K pay cut costs roughly $540K in long-term wealth and pushes retirement out three years. Your emergency fund stays above the safety floor. If this job offers equity, better benefits, or something else that matters to you — those are real. Run another scenario to weigh them.
Specimen: Timeline
Your financial life, forward.
Every milestone placed on a timeline you control.
2026 Now
Emergency fund complete
6.2 months of expenses saved. Safety net established.
2027 Aug
Down payment ready
$85,000 saved. Enough for 20% down on a $425K property.
2029 Mar
Student loans paid off
Final payment on $34K balance. $680/month freed up for investment.
2034 Mar
Net worth crosses $1M
14 months ahead of original projection. Compounding is visible now.
2041 Sep
Kids' college fully funded
529 plans reach target. $240K across two accounts.
2048 Jun
Financial independence
Investment income covers 100% of expenses. Work becomes optional.
2052
Retirement at 58
Net worth: $2.84M. Annual withdrawal rate: 3.4%. Portfolio survives 40-year Monte Carlo simulation at 96% confidence.