Whole-picture money planning tools
Most calculators answer one question. These look at your WHOLE situation — income, debts, savings, employer match — and tell you the single smartest next move for your money, in dollars.
7 resources
Calculator
Financial X-Ray — Your Free Financial Health Score & Plan
Get your free financial health score in 3 minutes, no signup. The Financial X-Ray grades your whole picture across 6 dimensions — emergency fund, debt, retirement, savings rate, housing, protection — and names your single highest-impact next move.
Open →
Calculator
Freedom Date — Your Financial Independence Timeline
Enter your age, savings, spending, and investments to find the exact year you reach financial independence — plus a Lever Board showing how many years sooner each money move pulls your Freedom Date in.
Open →
Calculator
The Next Dollar Engine — What Should I Do With My Money Next?
Enter your whole situation — income, debts, savings, employer match — and get your financial health score plus the single smartest next move for your money, in dollars.
Open →
Calculator
Will My Money Last? — Retirement Survival Stress-Test
Enter your age, savings, spending, and guaranteed income to stress-test your retirement against 1,000 simulated market lifetimes. Get a survival probability, a plain-English verdict, and a Lever Board ranking which move — work longer, cut spending, add guaranteed income, or grow the nest egg — buys the most survival.
Open →
Calculator
Your Personal Inflation Rate — What Inflation Actually Costs You
Headline inflation is an average nobody buys. Weight your own spending by the real published category rates to find the inflation rate you are actually living — and which category is driving it.
Open →
Guide
How to Find Your Financial Freedom Date — and Pull It Years Closer
Turn "someday" into an exact year: how to compute your FI number, project your net worth to a real Financial Independence date, and see which move pulls it soonest.
Open →
Guide
What Should I Do With My Money Next? The Order of Operations, Quantified
The proven financial order of operations — starter fund, employer match, high-interest debt, HSA, 15% retirement, then investing — with real dollar figures and a worked example.
Open →