Simulation

The Compounding | Simulation | CambridgeOCR Level 3 Award in Personal Finance

Last updated 6 Aug 2026

Try this mini personal finance simulation activity to help deliver the CambridgeOCR Level 3 Award in Personal Finance.

The Compounding is a free interactive simulation that makes the single most powerful idea in personal finance impossible to forget. Students move three sliders, when to start saving, how much, and when to stop, and a chart redraws instantly. The surprise is built in: saving a small amount from eighteen can beat saving far more from forty-five, because time does the heavy lifting, not the size of the payment. Students race against early, mid and late starters and see how many pounds come back for every pound paid in

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