Dream Life · Detailed Calculator
Lottery Windfall Simulator: Spending, Investments & 40-Year Forecast
Explore how long a lottery windfall could fund your lifestyle. Allocate a spendable lump sum to property, gifts, cash reserves and investments, then examine the effects of yearly spending and inflation in a 40-year financial forecast.
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Allocate your jackpot between purchases, gifts and investments
Enter property purchases, vehicle spending, gifts and cash reserves. Keeping one-off costs separate from recurring expenditure helps avoid counting the same money twice.
Forecast living costs and life events over 40 years
Explore more than 50 common household costs, set when items begin or end, and schedule important events such as a major holiday or replacing a car. The annual ledger shows how these choices may affect available capital.
Compare total wealth with available cash
A home can contribute to net worth without being immediately available to pay household bills. The simulator distinguishes holdings from cash flows and can warn when accessible funds are insufficient.
What investment returns and inflation assumptions mean
The present calculations use steady assumed investment returns, not random market scenarios. Prize tax, detailed investment tax and country-specific payout structures are not automatically calculated in this model.
Frequently asked questions
Can I see a year-by-year spreadsheet?
Yes. The Spreadsheet section shows projected income, expenses, investment balances and other assets for each year in the plan.
Can I change investment returns and inflation?
Yes. You can edit the assumptions and review how your forecast changes, but the results are not a probability of success.
Can I save multiple windfall scenarios?
Yes. Save or export scenarios from the calculator. Plans saved in the browser stay on that device unless you export them.