Life In Simulation · lifeinsimulation.com
Life In Simulation is a free, browser-based financial life simulator built by XCACTECH. Practice budgeting, investing, credit, mortgages, retirement, and entrepreneurship in a risk-free sandbox. Watch how real money decisions compound over years and decades. No download, no sign-up paywall, no real money at stake.
Earn income, pay bills, and manage a realistic monthly budget. See how housing, food, transportation, and lifestyle inflation reshape your savings rate over time.
Open Checking, Savings, Brokerage, 401K, Roth IRA, and Credit Card accounts. Each behaves like the real instrument, including 401K employer match and Roth tax treatment.
Buy and hold simulated index funds, individual stocks, and cryptocurrency. Watch compounding grow your portfolio over decades, and learn the cost of chasing market timing.
Build a FICO score, qualify for auto and home loans, and learn the math behind interest, amortization, and revolving credit balances.
Finance vehicles and real estate, rent out properties for passive income, and watch appreciation, depreciation, and maintenance affect your net worth.
Choose an industry, build a real P&L, hire staff, raise capital from procedurally generated VCs, and exit through IPO, acquisition, or lifestyle dividends.
Life In Simulation is an educational simulation. Content is not financial, tax, or legal advice. Scenarios are simplified and do not reflect real-market outcomes. Consult a licensed professional before making real-money decisions.
LOADING THE SIMULATION…