Compare financial paths before you commit.
Simulate the 10–40 year consequence of major life decisions. Monte Carlo modeling. AI insights. Professional-grade clarity.
40YR PROJECTION
The difference between tracking the past and deciding the future.
Finasim bridges the gap between where you are and where you're going. Unlike traditional tools, we focus on the long-term mathematical consequence of your next move.
Budgeting apps show the past
They track what you already spent. Useful for auditing, but useless for deciding what to do next.
Banks show products
They sell loans and cards, but they won't show you the 20-year opportunity cost of that debt.
Finasim shows the future
We simulate the mathematical truth of your decision. Know exactly how it impacts your net worth at 65.
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PRIVACY SCORE
A serious tool for serious decisions.
No onboarding bloat. Just elite financial modeling in seconds.
Pick a scenario
Select from 50+ localized templates including Rent vs Buy, FIRE, and Career Pivot modeling.
Enter your numbers
We auto-calculate local tax, inflation, and retirement caps based on your selected market.
Compare outcomes
Analyze 300 Monte Carlo paths. See the mathematical truth before you spend a single dollar.
Engineered for total accuracy.
Finasim isn't a tracker. It's a projection engine built on the same math used by hedge funds and elite planners.
Probabilistic modeling. Not just one line.
Most tools assume a flat 7% return. Finasim runs 300 simulations across P10, P50, and P90 confidence bands — so you can plan for the worst and prepare for the best.
Hyper-localized at scale.
Simulation without context is math without value. We auto-load tax brackets, retirement account caps, and inflation trends for US, UK, AU, EU, and beyond.
Private by design.
Insight by AI.
Your data stays your data. We don't sell insights. We use private AI instances to analyze your scenarios and provide a Decision Score out of 100.
> Initializing private instance...
> Loading parameters...
> Analyzing path divergence...
SCORE.CALCULATED
87 / 100
Optimal scenario with 92% confidence.
Frequently asked questions.
Everything you need to know about Finasim's financial simulation platform.
Finasim is an AI-powered financial simulation platform that models the long-term impact of your money decisions. Unlike budget trackers that look backward, Finasim projects 10 to 40 years forward using Monte Carlo probability modeling — running 300 randomized simulations to show you conservative (P10), median (P50), and optimistic (P90) outcomes for every scenario.
Budget trackers categorize past spending. Finasim shows future trajectories. You input your current financial situation and a decision you're considering (like buying a house or paying off student loans), and Finasim simulates the 10–40 year impact with probability-weighted outcomes and AI-powered recommendations.
Finasim includes 10+ pre-built decision templates: Rent vs Buy, Student Loan Payoff vs Invest, 401k Optimization, FIRE Calculator, ISA vs Pension (UK), HECS Strategy (AU), SIP Analysis (IN), Career Change Impact, and more. You can also describe any custom scenario in plain English and our AI will build the simulation for you.
Finasim supports 8 global markets: United States (USD), United Kingdom (GBP), Australia (AUD), European Union (EUR), Pakistan (PKR), India (INR), China (CNY), and Russia (RUB). Each region comes pre-configured with local inflation rates, tax brackets, retirement account types (401k, ISA, Super, NPS), and mortgage rates.
Absolutely. All data is encrypted in transit (HTTPS/TLS) and stored in Supabase with row-level security policies — meaning only you can access your data. We never connect to your bank accounts. You manually input baseline numbers, keeping full control. We do not sell or share your personal or financial data with third parties.
Monte Carlo simulation is a technique used by professional financial analysts. Finasim runs 300 randomized iterations with varying market returns, inflation rates, and economic volatility. Instead of showing you one misleading 'average' projection, you see three probability bands: P10 (10th percentile — conservative), P50 (median — most likely), and P90 (90th percentile — optimistic). This gives you a realistic range of outcomes.
Finasim has a generous free tier that includes 3 saved scenarios, 10-year projections, 10 AI calls per day, and 3 decision templates. The Pro plan is $49/year and unlocks unlimited scenarios, 40-year projections, all templates, Monte Carlo modeling, PDF exports, and advanced AI features. The Couple plan is $70/year and adds a second user account with shared financial profiles and joint simulations.
No. Finasim is a simulation and decision-support tool, not a licensed financial advisor. We help you visualize the probable outcomes of different financial paths — but we strongly recommend consulting a qualified financial advisor for personalized investment decisions. Our AI provides data-driven insights, not recommendations to buy or sell specific securities.
Yes. You can add life events at specific ages — salary raises, career changes, buying a home, having children, receiving an inheritance, early retirement — and see exactly how each event alters your 10–40 year financial trajectory across all probability bands.
Not yet — but we're building mobile apps for both Android and iOS. Join our waitlist in the footer to get notified when the Finasim app launches in your country. The full web platform is currently available at finasim.site.