About Wealth Modeler

An independent project built to make serious financial modeling free, fast, and private.

Why We Built This

Wealth Modeler is an independent, self-funded project. It started out of frustration: most online financial calculators are either overly simplistic, buried in ads, gated behind an email signup, or built to funnel you toward a product. We wanted the opposite — rigorous, transparent tools that answer real "what-if" questions and then get out of your way.

Every calculator here is free, requires no account, and runs entirely in your browser. We never see or store the numbers you type in. Our goal is simply to help you make more informed decisions about your own money.

How Our Calculators Work

Our tools use the same standard financial formulas used by planners and spreadsheets — future value, present value, amortization, NPER (number of periods), Monte Carlo simulation, and progressive tax-bracket math. Each calculation happens client-side in JavaScript, so your inputs never leave your device.

Every calculator includes a plain-English explanation of the method and assumptions it uses, so you can see exactly how a result was reached rather than trusting a black box. Where a tool relies on a rule of thumb (such as the 4% Rule or the 28/36 mortgage rule), we say so and link to the underlying concept.

Where Our Data Comes From

The tax, retirement, and Medicare tools are driven by figures published by U.S. federal agencies. We update these data files as new official numbers are released. Primary sources include:

  • Federal income tax brackets, standard deductions & capital gains rates — the annual IRS Revenue Procedures.
  • Social Security wage base & self-employment tax — the Social Security Administration.
  • Medicare Part B/D premiums & IRMAA brackets — official CMS / Medicare fact sheets.
  • Required Minimum Distributions — the IRS Uniform Lifetime Table and SECURE 2.0 rules.
  • Safe withdrawal rates — the foundational research by William Bengen (1994) and the Trinity Study.

Our Commitment to Accuracy

We take the math seriously and test our calculators against known benchmarks. That said, these tools are for education and modeling only — they are not financial, tax, or investment advice. Financial rules change, every situation has nuances a calculator can't capture, and you should confirm important decisions with a qualified professional.

If you spot a result that looks wrong, or a figure that's out of date, we genuinely want to know. Corrections make the tools better for everyone.

Get in Touch

Questions, feedback, corrections, or calculator suggestions are always welcome. Reach us at [email protected] or through our contact page.