Race controls
Try pocket money, side-hustle profit, or future wages.
This is a learning model, not financial advice. Real investments rise and fall.
—early saver final pot
—late saver final pot
—early saver lead
Savings race track
🐢 Starts early—
🐇 Starts later—
What the race is teaching
Change the controls to see the lesson.
Mission 1: Find the catch-up point
Raise the late saver monthly amount until they can catch the early saver. How much extra work did waiting create?
Mission 2: Rate detective
Set growth to 0%, then 3%, then 8%. Which part of the final pot came from your deposits, and which came from compounding?
Mission 3: Future goal
Pick a dream target, like £10,000 for a first car or business fund. Adjust the years and monthly saving until the target becomes realistic.