Calculators & Scenario Engines
Every calculator shows its assumptions, formula, and limitations alongside the result — these are illustrations, not predictions or guarantees. See CALCULATOR_FORMULAS.md for the exact math.
Wealth Engineering
Compound Growth
Project growth from an initial amount plus contributions.
CAGR & Real Return
Annualize a gain, and strip out inflation with the Fisher equation.
DCA vs. Lump Sum
Compare investing all at once versus spreading it out, under different return paths.
Rule of 72
Approximate how long money takes to double.
Inflation
See how inflation affects purchasing power.
Future Value
Project a present amount into the future.
Present Value
Find today's value of a future amount.
Tax Buckets
Compare Traditional, Roth, and taxable accounts.
Tax-Equivalent Yield
What a taxable investment must yield to match a tax-free rate, at your bracket.
Savings Rate
See what share of your income you're saving.
Portfolio Blend & Rebalancing
Weighted return/risk across asset classes, and rebalancing drift.
Leverage & Return on Equity
See how debt amplifies — or worsens — your return on equity.
FIRE Number & Coast FIRE
Your financial-independence number, and whether you've already "coasted" to it.
Retirement
Project retirement savings accumulation.
Retirement Income
Illustrate portfolio withdrawals over time.
Retirement Gap
Compare projected savings against a target from your desired income.
Sequence-of-Returns Risk
Same average return, different order — see why timing matters in retirement.
Loss Recovery
See the gain needed to recover from a loss.
Net Worth
A snapshot of what you own minus what you owe.
Monte Carlo Retirement Simulation
Run many randomized retirement trials to see what share succeed.
Retirement Lifecycle
Chains contribution, accumulation, and distribution into one view of the whole arc.
Retirement & Regulated Planning
These involve real government rules that change over time — each one asks you to supply or verify the current figure (a tax bracket, an IRS factor, your SSA estimate) rather than assuming one on your behalf.
401(k)
Project a balance with an employer match.
Required Minimum Distribution
Estimate your RMD from your own IRS distribution factor.
Social Security Claiming Age
See how claiming early or late adjusts your benefit.
Tax Brackets
Marginal vs. effective rate with fully editable brackets.
Healthcare & LTC Costs
Project future healthcare or long-term-care costs.
Longevity Scenarios
See funding sensitivity to how long you plan for.
Foundations & Protection
Emergency Fund
See how many months of expenses your savings would cover.
Debt Payoff
See how long it takes to pay off a balance.
Debt Avalanche vs. Snowball
Compare two payoff strategies across multiple debts.
Mortgage
Estimate a monthly mortgage payment.
College Savings
Compare projected college costs and savings.
Insurance Needs (DIME)
An educational starting point for coverage amounts.
Buy Term vs. Permanent Insurance
A neutral, hypothetical comparison of investing the premium difference vs. a permanent policy's cash value.
Indexed Strategy Illustrator
See what a cap, floor, and participation rate actually credit each year, against market and fixed returns.