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.
RSU Tax & Selling Optimizer
Optimize your equity compensation strategy. See tax implications of different sell strategies and AMT exposure.
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.
Rent vs. Buy Analyzer
Compare renting vs buying over your planned timeframe. Find your breakeven point and see the total cost difference.
401(k) / IRA Optimizer
Find your optimal Traditional vs Roth split. See the tax impact and projected retirement balances.
Mortgage Payoff vs. Invest
Should you pay off your mortgage early or invest the extra cash? See which strategy builds more long-term wealth.
Retirement Withdrawal Safety
Test the 4% rule against your situation. Find your safe withdrawal rate and see the probability of outliving your savings.
Tax-Loss Harvesting Value
See how much you could save by strategically harvesting investment losses. Estimate your potential tax savings.
529 College Savings Planner
Plan your college savings strategy. See how much you need to save monthly and the impact of tax-advantaged 529 plans.
Social Security Claiming Optimizer
Compare claiming at 62, 67, or 70. See breakeven ages and lifetime benefits to maximize your Social Security.
Debt Payoff Strategist
Compare snowball vs avalanche methods across all your debts. See which saves more interest and your debt-free date.
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.
Life Insurance Needs Calculator
Calculate your DIME method coverage needs. See recommended term life insurance and estimated premium costs.
Home Affordability Calculator
See how much house you can afford based on 28/36 rule. Get a recommended price and estimated monthly payment.
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.
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.
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