Free Financial Tools
Interactive calculators to help you make smarter money decisions. All tools are free and results can be shared — no sign-up required.
Financial Independence
FIRE Age Calculator
Find out when you can achieve financial independence. See your FIRE age, Coast FIRE date, and the impact of different savings rates.
FI Number Calculator
Find your financial independence number in seconds. See your Lean FI, standard FI, and Fat FI targets based on your expenses.
Savings Rate Calculator
Calculate your savings rate and see how it impacts your time to financial independence. The most important number in FI.
Coast FI Calculator
Find your Coast FI number — when your investments will grow to cover retirement on their own. No more contributions needed.
FI Planner
Your complete FI planning tool. Factor in pensions, Social Security, time-bound expenses, and compare scenarios side by side.
Retirement
401(k) / IRA Optimizer
Find your optimal Traditional vs Roth split. See the tax impact and projected retirement balances.
Retirement Withdrawal Safety
Test the 4% rule against your situation. Find your safe withdrawal rate and see the probability of outliving your savings.
Social Security Claiming Optimizer
Compare claiming at 62, 67, or 70. See breakeven ages and lifetime benefits to maximize your Social Security.
Monte Carlo Retirement Simulator
Run 1,000 market simulations to see your retirement success probability. Stress-test your plan against worst-case scenarios.
Roth Conversion Ladder
Plan your Traditional-to-Roth IRA conversions. See tax costs year by year and compare to keeping funds in Traditional.
Bridge Account Calculator
Plan the gap between early retirement and penalty-free IRA access. See how much you need in taxable accounts to bridge the gap.
Healthcare Cost Calculator
Estimate your healthcare costs before Medicare. See ACA premiums, subsidies, and the total bridge cost to age 65.
Taxes
RSU Tax & Selling Optimizer
Optimize your equity compensation strategy. See tax implications of different sell strategies and AMT exposure.
Tax-Loss Harvesting Value
See how much you could save by strategically harvesting investment losses. Estimate your potential tax savings.
Tax Bracket Visualizer
See exactly how your income is taxed across brackets. View your marginal rate, effective rate, and after-tax income.
Estate Tax & Gifting Planner
Estimate your estate tax exposure under 2025 rules. See gifting strategy capacity and actionable recommendations.
Capital Gains Tax Calculator
Estimate the federal tax on a long-term capital gain. See which 0%/15%/20% brackets your gain falls into and your NIIT exposure.
Housing & Mortgage
Rent vs. Buy Analyzer
Compare renting vs buying over your planned timeframe. Find your breakeven point and see the total cost difference.
Mortgage Payoff vs. Invest
Should you pay off your mortgage early or invest the extra cash? See which strategy builds more long-term wealth.
Home Affordability Calculator
See how much house you can afford based on 28/36 rule. Get a recommended price and estimated monthly payment.
Mortgage Calculator
Calculate your monthly payment, total interest, and view the full amortization schedule. See exactly where your payments go.
Investing
Debt
Family Protection & Education
Budgeting
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