> For the complete documentation index, see [llms.txt](https://docs.scaleconnect.com.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.scaleconnect.com.au/scaleconnect-docs/simulator/getting-around.md). # Simulator Overview The Simulator is where you model client strategies — personal finances, property assumptions, and future events over time. Every change recalculates cashflows, equity, and projections instantly so you can explore scenarios before clients commit. > **Use Case** > > Use it to answer "What if they refinanced?" "What if they bought a second property?" "What happens if rates go up?" ![Simulator strategy view showing financial summary, event timeline, and personal and property tracks](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-236f03dd7afaac938e8b6bffe67d090ab4225015%2FSimulator_Strategy_Timeline.png?alt=media) *** ## Key Components When you open a client's strategy, you see the main Simulator view. The screenshot below shows each part. Work through it top to bottom. 1. Client Timelines 2. Property Timelines 3. Timeline Markers 4. Event Selector 5. Events 6. Assumptions 7. Icons 8. Monthly Cashflows 9. Charts 10. Cashflows 11. Edit Strategy 12. Compare Strategies 13. Export Cashflows 14. Client Overview {% @arcade/embed url="" flowId="Z3Llf2E4CbWlaiimzAE3" %} *** ## Client Timelines Purple rows — one per person in the strategy (e.g. Client 1, Client 2 for joint accounts). Each row is a personal timeline showing their income, expenses, loans, and life events plotted across months. Click a row to drill into that person's cashflows. Everything from salary changes to one-off bonuses appears here. See [Personal Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-assumptions.md) and [Personal Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-events-1.md) for full details on what you can add. {% @arcade/embed url="" flowId="7muOfWz7LOVTRlD97V1A" %} *** ## Property Timelines Green rows — one per property in the portfolio. Each row shows that property's events over time: rental income changes, loan updates, capital growth adjustments, refinances, sales, and more. Click a row to drill into that property's cashflows and history. See [Property Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-assumptions.md) and [Property Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-events-1.md) for full details. {% @arcade/embed url="" flowId="z4ibeBuFHIMtZut0nCEX" %} *** ## Timeline Markers Two vertical lines help you orient on the timeline: * **Green line** — The beginning of the client's strategy, marked by the start of the financial year they signed up to ScaleApp. * **Purple line** — Today's date. Everything to the left is historical; everything to the right is projected. * **Blue line** — Date property added. {% @arcade/embed url="" flowId="0WJDWBLrX0FGeOkVgeoP" %} *** ## Month Selector The white **+** and grey month bar let you choose which month you're working in. Click the grey bar at any month to open the **Quick Actions** menu — from here you can: * **Add property** — Add a new property to the portfolio (address search, manual entry, or hypothetical) * **Add events** — Add personal or property events at the selected month * **Specify monthly outputs** {% @arcade/embed url="" flowId="hmXnZ1dsIdG3TjCZG0rO" %} *** ## Events One-off changes you add to a specific month. Events represent things that happen once (or start at a point in time) — a bonus, a property sale, a new loan, a one-off expense. Each event affects cashflows from that month forward. Personal events appear on the purple client rows; property events appear on the green property rows. See [Personal Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-events-1.md) and [Property Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-events-1.md). {% @arcade/embed url="" flowId="Yg7ULbkeXjOJ94HgEYnq" %} *** ## Assumptions Assumptions are ongoing baseline values that apply continuously until you change them. Assumptions represent recurring figures — salary, living expenses, capital growth rate, rental income, operating costs. When you update an assumption at a given month, the new value carries forward through all future months until the next change. See [Personal Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-assumptions.md) and [Property Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-assumptions.md). {% @arcade/embed url="" flowId="IdmXyQyeLFC9QrA9Y4Ko" %} *** ## Icons Coloured icons along each row show what's happening and when. Each icon type represents a different category. Click any icon to open its details and edit. {% tabs %} {% tab title="Assumptions" %} **Personal:** Salary, living expenses, side hustle, HECS/HELP, recurring bonuses, dependants, personal loans, PAYG tax, misc investment cashflows. **Property:** Capital growth, rental income, operating costs, variable rate, cost escalation, rental growth, debt payments. {% endtab %} {% tab title="Events" %} **Personal:** Bonus or commission, one-off expense, capital gain or loss, personal loan, car loan, offset or repayment. **Property:** One-off expense (operating or PP\&E), appraisal, move house, property sale, granny flat, partial rental, add or refinance loan. {% endtab %} {% tab title="Goals" %} **Primary client goals** — e.g. first home purchase, investment portfolio growth. Goals appear as markers on the timeline at the target date. {% endtab %} {% tab title="Sub-goals" %} Targets that feed into the primary goal — portfolio value, debt remaining, equity, annual free cashflow, proceeds from sale. Each sub-goal tracks progress toward a specific number. {% endtab %} {% tab title="Readiness trigger" %} Meeting trigger — automatically alerts you when a client hits a milestone worth discussing, like reaching a deposit target or a refinance window opening. (Coming soon.) {% endtab %} {% endtabs %} {% @arcade/embed url="" flowId="SBvfHKG28H3WGQ4fwzxx" %} *** ## Monthly Cashflows Four summary cards at the top of the screen showing live totals: Cash Available, Portfolio Value, Equity Available, and Debt Outstanding. These figures recalculate instantly as you add or change events. They also update when you switch between the full strategy view, a single client, or a single property. {% @arcade/embed url="" flowId="cGPWCPVM4jIRbK6msPg2" %} {% @arcade/embed url="" flowId="xN52j7eScSeBRFGf2q3l" %} {% @arcade/embed url="" flowId="sfDfnnXYc9gTjTNE0Mqk" %} *** ## Charts Visual reports generated from the strategy data. Includes equity growth, cashflow projections, debt reduction, and portfolio composition over time. Configurable time horizon (5–50 years) so you can zoom in on the near term or look at the full picture. See [Charts & Reports](/scaleconnect-docs/simulator/charts-and-reports.md). *** ## Cashflows Detailed month-by-month and year-by-year cashflow projections at three levels: * **Portfolio Cashflows** — Combined view across all properties and personal income * **Personal Cashflows** — Income, expenses, tax, and savings for each person See [Cash Flow Projections](/scaleconnect-docs/simulator/cash-flow-projections.md). *** ## Edit Strategy Opens the strategy editor where you can change the client's profile, add or remove properties, update goals and sub-goals, and configure AI automations. Use this when you need to make structural changes rather than adding individual events. See [Creating a Strategy](/scaleconnect-docs/simulator/strategies.md). *** ## Compare Strategies Opens a side-by-side comparison of two strategies for the same client. Useful for showing clients the difference between their Base Case and a "What if?" scenario — e.g. "What if you refinanced and bought a second property?" Differences in cashflows, equity, and debt are highlighted. See [Compare Strategies](/scaleconnect-docs/simulator/clone-and-compare.md). {% @arcade/embed url="" flowId="VcxLfo3KqVtFEPrK8vJ9" %} *** ## Export Cashflows Export projections to Excel — property-level and portfolio-level. The export includes month-by-month data so you can share detailed numbers with clients or use them in external modelling. Handy for client meetings, loan applications, and financial planning. {% @arcade/embed url="" flowId="ZUEc017AkK1ai3N7txBC" %} *** ## Client Overview The Overview tab shows a snapshot of the client's current position — cash available, portfolio value, equity, debt, property cards with key metrics, and goal progress with percentage tracking. This is the first thing you see when you open a client and gives you a quick read on where they stand before diving into the Simulator. {% @arcade/embed url="" flowId="tfqEj1BnsAsMRJ1w2vFN" %} *** ## Key Interactions (Guides) 1. [Creating a Strategy](/scaleconnect-docs/simulator/strategies.md) 1. Profiles 2. Properties 3. Goals 4. Subgoals 5. AI Automations 2. Template Strategies 1. Strategy Templates 2. Template Builder 3. 'Ghost' Strategies 4. Cloning a Strategy 3. Adding Clients 4. Adding a Property 5. Adding Events & Assumptions 1. Personal Events 2. Property Events 3. Personal Assumptions 4. Property Assumptions 6. Editing & Deleting Events 7. Editing a Strategy 8. [Comparing Strategies](#compare-strategies) 9. [Charts](/scaleconnect-docs/simulator/charts-and-reports.md) 10. [Cashflows](/scaleconnect-docs/simulator/cash-flow-projections.md) *** ## Next Steps * [Creating a Strategy](/scaleconnect-docs/simulator/strategies.md) — Build your first simulation * [Personal Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-assumptions.md) — Income, expenses, and baseline settings * [Personal Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-events-1.md) — Bonuses, loans, one-off expenses * [Property Assumptions](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-assumptions.md) — Capital growth, rental income, operating costs * [Property Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-events-1.md) — Loans, sales, refinances, and more --- # Agent Instructions This documentation is published with GitBook. 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