Personal Finance Journey

Live a simulated financial life month by month: earn, budget, invest, and weather life's surprises.

Build the habits of budgeting, saving, diversifying and managing debt by living a multi-year financial life and watching the consequences compound.

Budgeting
Saving & investing
Debt & credit
Risk & insurance
Inflation & devaluation

Month 1 of 60~20 min

Set up your journey

Choose the economy you'll live through and, if you like, a goal to aim for. You can always restart to try another.

Economy

Calm decadeLow inflation and a stable hryvnia; fewer shocks.BaselineA typical decade — moderate inflation and devaluation.Turbulent decadeHigh inflation, a sharp devaluation and more frequent setbacks.

Goal (optional)

No goalJust build wealth over 60 months.Apartment down paymentReach 300,000 ₴ in real (inflation-adjusted) net worth by month 60.Education fundSave 150,000 ₴ in safe assets (deposit + bonds) by month 48.Emergency cushionKeep 6+ months of expenses liquid for 12 months in a row.