In this activity, you’ll run a simple life simulation one year at a time. Each click of Birthday advances you through life and tests whether you survive the year using real mortality-rate tables.
If you make it to age 22, you’ll be asked to choose an investing plan (starting salary, savings rate, interest rate, etc.). From that point on, the simulator tracks how your investment account could grow over time based on your choices.
Starting at age 62, if you’re still alive, you’ll be asked each year whether you want to retire. Once you retire, the simulation withdraws 4% per year from your investment balance (to represent retirement spending) and then applies your chosen interest rate to whatever remains.
When your simulated life ends, you’ll scroll down to see a line chart showing how your investment account (and earnings) changed over your lifetime—so you can compare outcomes and discuss how saving rate, returns, and retirement timing shape long-term financial security.