💰 Financial Mastery Simulator

Make strategic decisions and watch how they impact your financial future

👤 Choose Your Profile
đŸ’ŧ
Freelancer
Variable income, low overhead
đŸĸ
Agency Owner
Team management, higher expenses
🛒
E-commerce
Inventory costs, scaling potential
👨‍đŸ’ŧ
Employee
Stable income, limited control
Monthly Profit/Loss
$0
--
Cash Runway
-- months
Time until $0
Break-Even Point
$0/mo
Minimum needed
Yearly Projection
$0
12-month outlook
đŸ’ĩ Business Income Streams
Your main income source (e.g., client work, product sales)
Passive income, side projects, affiliate earnings
đŸĸ Business Operating Expenses
âš ī¸ Debt reduces cash flow and increases risk
🏠 Personal Living Expenses
$0 $400 $2000
💡 Lifestyle inflation is a silent business killer
💰 Taxes & Savings
0% 25% 50%
Building reserves = business resilience
0% 20% 100%
📈 Reinvesting profits accelerates growth
đŸŽ¯ Financial Stability Score
0%
🚀 Growth Potential Score
0%
⚡ Efficiency Score
0%
🏆 Lifestyle Affordability
0%
📊 12-Month Cash Flow Projection
💡 Key Learning Insights
Why Profit ≠ Cash: You can be profitable on paper but run out of money. This happens when revenue is tied up in receivables, inventory, or delayed payments. Always track cash flow, not just profit.
Lifestyle Inflation Kills Businesses: As income grows, personal expenses often grow faster. This reduces your business safety net and limits reinvestment capacity. Keep lifestyle costs in check.
How Debt Impacts Survivability: Debt payments are fixed costs that don't care about your revenue fluctuations. High debt reduces runway and increases stress during slow months.
Reinvestment Changes Growth: Businesses that reinvest profits into marketing, tools, or team capacity grow faster. But over-reinvesting without reserves is risky. Balance is key.