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Life Plan Simulator with Lifetime Cash Flow Projections – PDF
PDF document + Zip archive file (ZIP) 7 Pages
BENEFITS OF THIS DOWNLOADABLE PDF DOCUMENT
- Shortcut -- the hours of prompt-writing and formula-checking collapse into one double-click.
- Instant -- the moment the file opens, your future line is there, computed from your numbers.
- Private by construction -- zero network requests; your figures stay on your device.
INTEGRATED FINANCIAL MODEL PDF DESCRIPTION
Advisor / Commercial Edition. Licensed for professional and commercial use – including financial advisors, planners, and consultants working with their own clients. (A separate, lower-priced Personal Edition, for individual non-commercial use only, is available elsewhere; this Advisor / Commercial Edition adds the commercial-use and client-facing license rights.)
Two lines – "as you are" and "your plan" – move side by side the moment you drag a slider. One is the future you are already on; the other is the future you are considering. The gap between them is the conversation every household (and every advisory session) actually needs.
WealthQuest is a single, fully offline HTML file plus a complete Excel workbook. No installation, no account, no internet connection. Double-click, enter four numbers (take-home rate, gross income, current age, target retirement age), and the picture is yours.
Honest comparison: you could build this with free AI
You can ask a free AI to build you a lifetime cash-flow simulator. What you would spend is not money but: writing the right prompt with no assumptions missing, checking every formula it invents, and waiting through the iterations. This product folds those hours – and the "did I forget something?" doubt – into one double-click. The engine ships pre-verified: the HTML calculation is cross-checked against the Excel workbook's formulas to machine precision (relative error < 1e-6 across every projection year, two scenarios).
Why people pay for it
1. Shortcut – the hours of prompt-writing and formula-checking collapse into one double-click.
2. Instant – no chat, no wait. The moment the file opens, your future line is there, computed from your numbers.
3. Private by construction – the file makes zero network requests (verifiable in your browser's dev tools). Your figures stay on your device. Usable fully anonymously.
Works in any country – by design
No country's tax rates are baked in. You enter your own take-home rate, and the tool computes from your inputs. That is what makes it portable across the US, UK, EU, Japan and beyond – and what keeps it honest: it never asserts a tax figure. Contribution presets (Japan's NISA/iDeCo labels, or general investing) switch labels and starting values only; the math never changes.
What's inside
• 2_simulator.html – the branch-slider experience: instant two-line chart, goal-age meter, crash-scenario stress test, EN/JA interface, print view
• 3_workbook.xlsx – 11-sheet Excel: ledger, annual balance, net worth, lifetime cash flow, mortgage & early repayment, monthly simulator, dashboard (Japanese sheets with an English guide on the first sheet)
• 1_start.pdf – one-page quick start (EN/JA)
• Plain-language licence + EN/JA READMEs
Advisor use included
This licence includes use with your clients: run sessions on the simulator and hand the workbook to clients as a leave-behind. (Redistribution or resale of the files themselves remains prohibited.)
The math, transparently
Yearly recurrence, identical in HTML and Excel: income (gross × growth × your take-home rate, pension after retirement) minus living costs (inflation-indexed); the balance compounds at the rate you set, with your cash reserve excluded from compounding; an optional one-time market-drop year for stress testing. Estimates only – the tool asserts nothing about taxes or future outcomes.
What this is not
Not investment, tax, insurance or legal advice. No financial product is recommended. Every assumption is a number you enter yourself; no future results are implied or guaranteed.
Refunds: Handled under Flevy's standard marketplace policy.
Got a question about the product? Email us at support@flevy.com or ask the author directly by using the "Ask the Author a Question" form. If you cannot view the preview above this document description, go here to view the large preview instead.
Source: Best Practices in Integrated Financial Model PDF: Life Plan Simulator with Lifetime Cash Flow Projections PDF (PDF) Document, Argo Decks
