Family Future Simulator

People often underestimate the real long-term cost of family life — housing, childcare, education, healthcare, vehicles, insurance, college savings, and retirement. These costs and tradeoffs are rarely modeled together, so the true price of a family lifestyle stays abstract until it is too late to plan for it. The result is guesswork about affordability, savings needs, and readiness.

Built for Couples, parents, and future parents planning a family lifestyle; secondarily financial planners, mortgage advisors, and family finance advisors.

Family Future Simulator lets users visually build a future household — home, children, education, vehicles, vacations, healthcare, and savings — and see what it costs over time. A financial engine projects annual family costs, net worth, education funding gaps, and retirement readiness year by year, and computes a Family Readiness Score. Users compare scenarios (one child vs two, public vs private school, starter vs dream home), watch a life timeline unfold, and generate shareable result cards and reports.

The core is a client-side financial simulation engine that projects mortgage carrying cost, inflation-adjusted expenses, investment growth, home equity, and readiness scoring across a multi-year timeline. The simulation is offloaded to a web worker (via Comlink) to keep the UI responsive, and results are turned into charts and exportable PDF/image share cards on the client. Property-based tests (fast-check) exercise the calculation logic.

A client-side React single-page app built with Vite. The financial simulation runs entirely in the browser — offloaded to a web worker through Comlink — with application state in Zustand, charts via Recharts, and PDF/image report export generated on the client. There is no backend or database.