Model Your Financial Future
Stop guessing. Use our free suite of calculators to see the real impact of your financial decisions on your wealth, retirement, and goals.
Investing & Growth
Millennial Reality Check
Is the game rigged? Calculate your "Financial Difficulty Score" and compare your housing and debt headwinds to previous generations.
Get Your ScoreCompound Interest
See how small, regular investments can grow into a large sum over time.
Calculate GrowthLatte Factor
Model the true long-term cost of small daily habits and what you'd have if you invested it.
See the CostInvestment Fee Analyzer
See the shocking long-term impact that high management fees have on your portfolio.
Analyze Fees"Big Purchase" Savings
Find out how much you need to save each month to reach a specific savings goal by your deadline.
Plan SavingsDCA vs. Lump Sum
Compare investing a large sum all at once versus dollar-cost averaging it over time.
Compare StrategiesTime to a Million
See how long it will take you to become a millionaire based on your current savings rate.
Find Your DateRetirement Tools
FIRE Calculator
Find your "FIRE number" and see the exact date you can achieve Financial Independence and Retire Early.
Calculate FIRE NumberRMD Forecaster
Project your future Required Minimum Distributions and their tax impact based on IRS SECURE 2.0 rules.
Forecast RMDsSequence of Return Risk
Visualize how market volatility (SRR) impacts retirement success using Monte Carlo simulations.
Visualize RiskRoth Conversion Ladder
Optimize taxes by modeling strategic conversions from Traditional to Roth accounts during low-income years.
Model LadderRetirement Savings
Are you saving enough? See how much you'll have for retirement based on your current plan.
Project Savings401k Contribution
Model your 401k growth, including the powerful impact of an employer match.
Calculate Match"One More Year"
See the dramatic impact that working just one or two more years can have on your nest egg.
See the ImpactRoth vs. Traditional
Which is better for you? Compare the potential after-tax value of each account type.
Compare Accounts4% Rule Withdrawal
Based on the 4% rule, find out how much you can safely withdraw from your nest egg each year.
Calculate IncomeDebt & Real Estate
HELOC vs. Cash-Out Refinance
An interactive model comparing the "payment shock" of a HELOC vs. the long-term interest cost of a cash-out refi.
Compare LoansMortgage vs. Invest
What if you paid extra on your mortgage? What if you invested instead? See the 30-year net worth impact.
Weigh OptionsRent vs. Buy
The classic dilemma. Model the long-term financial difference between renting and buying a home.
Run ComparisonHome Affordability
How much house can you *really* afford? Find a comfortable home price based on your income and debts.
Check AffordabilityCredit Card Payoff
Find out how long it will take to pay off your credit card debt and how much interest you'll pay.
Plan PayoffDebt Snowball vs. Avalanche
Compare two popular debt payoff methods to see which saves you more money and which gets you debt-free faster.
Optimize PayoffStudent Loan Payoff
Model different payment scenarios to see how fast you can pay off your student loans.
Calculate TimelineIncome & Tax
Tax Bracket & Capital Gains Modeler
Visualize how different income streams (wages, dividends, gains) stack up in federal tax brackets.
Visualize BracketsIRMAA Optimizer (Medicare Premiums)
Calculate your Medicare premiums and identify critical income "cliffs" (IRMAA brackets) that drastically increase costs.
Check PremiumsCost of Living
Compare the cost of living and the salary you'd need to maintain your lifestyle in a new city.
Compare Cities"Real" Hourly Wage
Your salary is not what you make. See your "real" hourly wage after taxes, commuting, and other costs.
Calculate True WageJob Offer Comparator
Which job offer is really better? Compare salaries, commutes, 401k matches, and more.
Compare OffersStay-at-Home Parent
Can you afford for one parent to stop working? Model the true long-term financial impact.
Model ImpactSide Hustle Tax Estimator
Estimate self-employment and income taxes on your freelance or side gig profit.
Estimate Taxes"Time to Earn" Purchase
How many hours of work does that purchase *really* cost you?
Calculate Time CostFinancial Guides
The Ultimate FIRE Guide
A comprehensive guide to Financial Independence. Learn the math, the strategies, and calculate your freedom date.
Read GuideThe Roth Conversion Ladder
Access your retirement funds penalty-free before age 59½. A step-by-step guide for early retirees.
Read StrategySequence of Returns Risk
Why average returns lie. Learn how market crashes early in retirement can destroy your portfolio and how to protect yourself.
Understand RiskDebt: Snowball vs. Avalanche
Psychology vs. Math. Learn which debt payoff strategy will actually work for you and calculate your debt-free date.
Get Debt FreeRent vs. Buy: The Truth
Stop throwing money away? Learn about unrecoverable costs, opportunity costs, and the real math of homeownership.
Analyze Now