Decision guides
Worked, sourced examples for common life decisions: a new job, a master's or bootcamp, moving cities, buying or renting, going freelance, quitting, and where to retire. Each runs 1,000 simulated futures you can re-run with your own numbers.
Every guide shows its work: the example result, where each number comes from, and which assumptions have no source. Change any input and re-run.
Worked decisions
Should I take the new job?
Stop agonising. Run 1,000 simulated futures on your job decision — salary, raises, layoff risk — and see which choice actually wins.
Master's, bootcamp, or stay?
Model 10-year NPV across all three paths. Factor in tuition, salary uplift, opportunity cost, and career risk — then let 1,000 futures vote.
Should I move cities?
Compare take-home pay, rent and moving costs across two cities (Leipzig → Munich as the worked example). See which wins more futures before you sign the lease.
Buy or rent?
Model house price appreciation, mortgage cost, opportunity cost of deposit, and rental inflation. Which choice wins over your time horizon?
Go freelance or stay employed?
Model day rates, client risk, holiday cost, pension gap, and income volatility. See whether independence is worth it — in expected value terms.
Free tools
Should I quit my job?
Free, no-signup simulator: job-search length, target salary and savings runway, with the flip-points at which quitting still wins.
Where can I afford to retire?
Free, no-signup: 16 countries ranked with cost of living and local taxes on portfolio withdrawals, for EU savers.