You may not have been exposed to this concept in the past. Basically, the human capital simulator gives you an idea of how much financial capital you will be able to generate over your lifetime, and how much you will save for your older days. It allows you to set the many cursors of lifestyle (spending vs saving, today vs tomorrow) to see if you are heading towards trouble, or a peaceful retirement.
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This calculator provides accurate results but you may also want to talk to a financial advisor to get their calculation and advice.