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Pension Dependency Ratio Simulator

Interactive pay-as-you-go pension simulator: adjust birth rate and life expectancy to age a population across decades, watch the worker/retiree dependency ratio shift, and pull contribution-rate, benefit-level and retirement-age levers to keep the system solvent.

Economics & Social Systems3DModerate60 FPS

A pay-as-you-go pension system funds current retirees' benefits directly out of current workers' contributions, so its sustainability lives or dies by the dependency ratio — the number of working-age contributors per retiree. This simulator ages a population forward decade by decade under birth-rate and life-expectancy assumptions you control, tracks the resulting worker and retiree populations in a live 3D age pyramid, and shows the sustainable benefit level a fixed contribution rate can actually support as the ratio shifts. Pull the contribution-rate, benefit-level and retirement-age levers to see which combination — or mix — restores balance on the tipping scale.

⚙ Under the hood

A pay-as-you-go pension pays current retirees directly from current workers' contributions, so its sustainability rides entirely on the dependency ratio. Adjust birth rate and life expectancy to age a population across simulated decades, watch the worker/retiree split shift in a live 3D age pyramid, and pull contribution-rate, benefit-level and retirement-age levers on a tipping balance beam to keep the system solvent.

pension economicsdependency ratiopay-as-you-godemographic agingretirement policy

3D · Three.js / WebGL renderer · 60 FPS target · runs fully client-side, no install