All free tools
Every free, browser-based tool from WealthSimLab in one place. No account needed — each one runs entirely in your browser using historical references and the assumptions you choose. More tools will be added here over time.
Free Dividend Income Simulator
Estimate monthly portfolio income, compare it with a spending target, and explore the months that may show a gap or surplus.
- Estimate monthly and annual portfolio income
- Review month-by-month payout timing
- Compare income with monthly spending
- Identify coverage gaps and the weakest month
Free DCA Simulator
Set a starting amount, monthly investment, investing period, and sample portfolio. Then explore an illustrative range based on historical references and the assumptions you select.
- Initial amount, monthly investing, and time horizon
- Sample portfolio and historical reference assumptions
- Cautious-versus-reference illustration
- Projected wealth, contributions, and potential income
- Save and reload the plan in this browser
Free Life Ladder
Enter your monthly expenses and today's savings, then see how far an assumed cash flow could stretch — one expense "rung" at a time. This tool is in Thai.
- Add up to 10 monthly expenses, smallest to largest
- Set a starting amount and an assumed cash-flow rate (3–7%)
- See how many expense "rungs" that cash flow could cover
- Find the next rung and how much more cash flow it would take
Free Retirement Screening
A simple one-goal screening for whole-of-life planning: grow a pot with regular monthly investing, then simulate the years after you stop — living on money that keeps working for a set period, with no new contributions. No stock or ETF picks required.
- Estimate the pot you'd want on the day you retire, after inflation
- Grow it with a starting amount and regular monthly investing
- Simulate the runway once contributions stop and only growth remains
- Compare small changes — save more, start earlier, spend less — under one set of assumptions
Free Dividend Quick Calculator
A fast 3-step estimate: enter an amount, pick assets by category or search, and see an illustrative net monthly dividend figure with a payout chart — no account required.
- Enter the capital you'd invest
- Pick assets by category or search, then split the allocation
- See an estimated net monthly dividend and yield
- Review a month-by-month payout chart and a per-holding breakdown
