Family Financial Simulator · 2026

  • Why are these simulations important?

    Life is unpredictable. These scenarios help you understand how resilient your budget is to changes. Good news: if you know the risks, you can prepare for them.

  • Legal notice

    This simulator is for educational purposes and does not constitute financial advice. Results are approximate and should not be used for making important financial decisions without consulting a professional.

  • Learn more about: If life changes - what happens to our budget?
  • All data is stored locally on your device
  • Noticed an issue or the calculator isn't working as expected? Contact us — we'd love to help!

Frequently Asked Questions (FAQ) (FAQ)

It is an interactive tool that helps you understand how different life events (birth of a child, loans, job loss) affect your family budget. You enter your current income and expenses, and the simulator shows various scenarios.

Yes, completely secure. All your data remains only on your device and is never sent to any server. Data is encrypted with AES-256 encryption in LocalStorage for additional protection.

Yes, click the "Reset" button in the upper right corner of the application. This will erase all saved data and return the application to default values.

The "Export" button creates a text file with your current financial report that you can download and save to your computer. The file contains all your input data and calculated results.

Green (safe) means you have a positive financial balance. Yellow (warning) shows a tight situation. Red (danger) means expenses exceed income - a financial crisis.

Yes! Click the "Save scenario" button in the upper right corner. This will download a JSON file with all your current data that you can import later.

The application is available in three languages: Bulgarian (BG), English (EN), and Turkish (TR). You can change the language by clicking the flag in the upper right corner.

If you do not check the "Second income" checkbox, the simulator will only count the first income in calculations. The second income field will be hidden automatically.

The monthly loan payment is calculated using the standard amortized loan formula: (Amount × Interest Rate) / (1 - (1 + Interest Rate)^-Period). The interest rate is converted from annual to monthly.

The charts visually show how different life events (birth of a child, obtaining a loan, inflation) would affect your financial status. This helps you plan ahead and make better financial decisions.