A few months ago I started wondering how having children would actually affect my long-term financial picture not in a vague "kids are expensive" way, but concretely. How much would childcare cost in my area? What would college do to my savings rate? How many years would it push back financial independence?
I couldn't find a tool that answered those questions in one place, so I built one.
Unlike most financial simulators, FinSim shows you two side-by-side scenarios so you can see exactly how carrying debt, having children, and your retirement timeline interact over decades.
Debt— model your payoff timeline and see how it frees up wealth long-term.
Child costs—powered by real NDCP childcare data specific to your county.
Financial independence age—based on the 4% rule, updated in real time as you adjust your inputs.
Built by a solo developer in SwiftUI. Free, no ads, no purchases.
