Shoralis Shoralis
Guides
Short, actionable guides for big financial decisions — each backed by a simulation.
Renting vs buying a home: decide with a 30-year projection
Is rent cheaper than a mortgage? Put the opportunity cost of your down payment, rising rents and selling costs side by side in a 30-year simulation.
→The true cost of a car: much more than the installment
Depreciation, insurance, tax, maintenance and fuel: calculate a car's real monthly price and see whether cash beats credit, or owning beats sharing.
→How to build an emergency fund: test the 3-6 month rule in a simulation
How big should an emergency fund be, and where should it live? Apply the 3-6 month rule to your budget and see how many months of job loss your fund survives.
→How to ask for a raise: the numbers before and after the negotiation
When to negotiate salary, and with which figure? Are you losing ground to inflation in real terms — and what does a 10% raise compound into over 30 years?
→Early retirement math: does the 4% rule work for you?
What is the 4% rule, and at what age does financial independence arrive? Savings rate, withdrawal rate and three risk scenarios — calculate your own date.
→How do you save for a house down payment? The plan that turns your goal into months
How much should a down payment be, how do you save it, and in what time? Convert your target amount into a monthly saving and see in the scenario how many months it takes to fill.
→Debt payoff order: which debt should you pay off first?
In which order should you pay off debts? The most expensive one first, or the smallest? See the 30-year effect of an extra payment in the simulation.
→When should you start investing? The real cost of waiting
Do you have to be "ready" to start investing? How compounding turns time into returns, and what a 5-year delay costs over 30 years — run the numbers.
→Where do savings stay safe under inflation? Think in real returns
Deposits, gold, foreign currency or stocks under high inflation? Think in real, not nominal, returns; test the combination in the simulation.
→The cost of deciding to have a child: from birth to university, in numbers
What is the annual and total cost of a child? See the impact on your budget and goals across three scenarios; calculate when you are ready.
→How do you choose a loan term? The comfort of long, the gain of short
The longer the term, the lower the installment and the higher the total interest. 10 years or 20? Combine with early-payoff flexibility; see it in the simulation.
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