Tools.
Run the numbers yourself.

See the lifetime value of a raise. Higher 401(k), higher future raises on a larger base, higher Social Security.

Break-even on retraining costs. 5, 10, and 20-year advantage.

Enter grants, see unvested value, upcoming vest events, and estimated tax at each vest.

Calculate total package value, see what is negotiable, and assess non-compete risk.

Two offers, one honest comparison. Base, bonus, equity, 401(k) match, benefits, PTO, cost-of-living, per-work-day comp. Stacked-bar visual included.

Your wage at work is not your true wage. Subtract commute time and work costs to see what an hour of your life actually pays.

The most powerful variable in personal finance, visualized. Adjust savings rate and watch years to FI change in real time.

Clear yes, almost, or no. With specific actions for each case.

Where you stand by age group. Fed SCF data.

Break-even age, required return, and survivor benefit impact.

Exact contribution percent to capture your full employer match. Over 30 years, the uncaught match is the single biggest forgone-compounding decision most workers make.

A 1% fee over 40 years typically costs 20% of your ending balance. This tool shows the dollar cost of two different expense ratios side by side.

Every year of delay shrinks what a dollar becomes by 65. Enter your age and a return assumption to see the multiplier on $1 today.

W-2 form replica. Schedule C for self-employed. All 50 state brackets. 2026 federal brackets. LTCG, SE tax, QBI, NIIT, CTC. Bitcoin gains separated short and long. Projection slider. Shareable PNG. Honest disclaimer: estimation only.

Maxing your 401(k) costs less than you think. See exactly what pre-tax contributions do to take-home, broken down by paycheck.

Break your income into every 2026 federal bracket. Effective vs marginal. Pre-tax 401(k) savings.

Volatility creates tax opportunities. See what harvesting a Bitcoin loss saves, then rebuying at the same price.

Year-by-year conversion plan. 5-year bridge funding, tax cost, and ACA subsidy interaction.

Size the optimal single-year conversion to fill your current bracket without spilling into the next one. Break-even analysis included.

Calculate your remaining mega backdoor Roth capacity. Works only if your plan allows after-tax contributions plus in-service rollovers.

Find the largest Roth conversion that keeps you inside your target federal bracket, without spilling into the next one.

See exactly how much of your backdoor Roth conversion is taxable when you hold pre-tax IRA balances. The pro-rata rule, quantified.

Simulate dollar-cost averaging from any start date. See total return, BTC accumulated, and a portfolio chart.

Pick a start date. See what Bitcoin and the S&P 500 returned side by side: total, CAGR, max drawdown. Lump sum or DCA.

What if you'd started DCA-ing on a specific date? Enter start date and amount. See total invested, BTC accumulated, current value, and CAGR.

Log purchases, see weighted average cost basis, unrealized gain or loss, and break-even price.

Enter your portfolio and BTC allocation. See scenarios: zero, flat, 10x, 100x. The zero test, quantified.

Volatility creates tax opportunities. See what harvesting a Bitcoin loss saves, then rebuying at the same price.

How much will your transaction actually cost? UTXO count, address type, fee rate. SegWit vs Taproot vs Legacy.

Consolidate now, or spend UTXOs individually later? See the break-even math on future fees.

When does Lightning save vs on-chain? Based on your payment size and the current fee environment.

Live countdown to the next halving. Supply curve from genesis to 2140. Mined vs remaining vs estimated lost.

Your real odds of finding a block. Per day, per year, in a lifetime. Powerball and lightning-strike comparisons.

Live three-way converter: sats, Bitcoin, and US dollars. See any amount of sats in USD right now.

Four questions on time horizon, drawdown tolerance, purpose, and situation. Get a defensible allocation range, not a single number.

How long does monthly DCA take to hit a sat target? Timeline at a flat price and under a modest growth assumption.

Project your retirement stack across bear, base, and bull BTC scenarios. Traditional only vs Bitcoin allocation.

Lean, Standard, Fat. Years to reach with and without Bitcoin. The target and the path in one view.

Year-by-year conversion plan. 5-year bridge funding, tax cost, and ACA subsidy interaction.

62 vs 67 vs 70. At what age does delaying pay off? Cumulative lifetime benefit chart included.

Pre-tax, tax-free growth, tax-free qualified withdrawals. HSA vs taxable over 10, 20, 30 years.

Which tax wrapper wins for your bracket? Includes a Bitcoin-in-Roth scenario comparison.

Calculate your 72(t) SEPP annual distribution under all three IRS-approved methods. Penalty-free early withdrawals, done right.

Should you delay Social Security to 70? Break-even ages and the IRA cost of bridging the gap from your retirement date.

Year-one retirement withdrawal plan: which accounts to tap first and the tax cost, with IRMAA and RMD flags.

Calculate your retirement income floor gap, the portfolio needed to fund it, and what is left over to enjoy.

Pick your city. Build your real budget. See income needed, savings rate, city comparisons, and where you sit vs local living wage. 75+ metros pre-populated from MIT, BLS, and Zillow data.

Add all your accounts and holdings. See your actual total allocation across everything. Concentration warnings, asset location flags, sovereignty score.

Maxing your 401(k) costs less than you think. See exactly what pre-tax contributions do to your actual take-home, broken down by paycheck.

Your DTI determines mortgage qualification and rate. See where you stand and which debt payoff improves DTI most.

How long until cash savings lose X% of purchasing power? Big bank vs HYSA vs SPAXX, visualized.

Part B premiums + IRMAA + Part D + Medigap. The actual monthly cost of Medicare given your income.

That $50 dinner, $200 jacket, $1,200 vacation upgrade. What would it be worth if you'd invested it instead? Three return scenarios and a preset table of common trade-offs.

Input your take-home pay and see where every dollar should go: 401(k), Roth, emergency fund, Bitcoin DCA.

Your real fixed costs. 3, 6, 9, and 12 month targets. Includes a saved-so-far progress bar.

Where you are on the path. $1K through $10M+. Sovereignty score based on Bitcoin share.

Track assets, liabilities, and Bitcoin allocation. Get a sovereignty score with actionable steps.

Ben Felix 5% Rule. Includes opportunity cost of the down payment. Buy vs rent net worth over 5, 10, 20 years.

How long until you can afford a down payment. Rent-vs-buy check built in.

Stepped-up basis math. Selling now vs holding until death. Estate tax exposure against the federal exemption.

Five questions route you to the right step in the 9-step Financial Order of Operations. Know exactly what to fund next.

Add up your auto, health, home, and other deductibles to find your Step 1 cash target, the buffer before everything else.

Enter take-home and current expenses. Get a personalized budget with a percentage breakdown and adjustment guidance.

Estimate your 2026 Medicare Part B premium from MAGI two years prior. Cliff warnings before a small raise costs you a bracket.

How many months until refinancing closing costs are recovered through a lower payment. Refinance only if you stay past it.

Net present value for three common calls: pay off debt vs invest, take the job, make the purchase. One honest number.

Most parents underestimate first-year baby costs by 40 to 60%. Birth, the leave gap, childcare, and gear, totaled.

Compare avalanche vs snowball vs investing. Break-even APR and 10-year net worth per strategy.

Balance, APR, extra-payment slider. The minimum-only trap plotted against reality.

Plug in monthly spending. See which card stack earns most, with or without annual fees.

Monthly spending by category. See how much is recoverable with simple switches. Three minutes to find the hidden margin.

Word-for-word scripts for internet, cell, insurance, medical, credit-card APR, and rent renewals.

Compare federal income-driven repayment plans: Standard, IBR, PAYE, and SAVE. Monthly payment, total interest, forgiveness timeline. PSLF flagged where relevant.

A $300 jacket worn 3 times costs $100 per use. Worn 60 times, $5. Enter any purchase to reframe the price by how often you use it.

2% cashback invested over decades. Enter your card spend and a return assumption to see what the rewards actually become.

Initial, monthly, return, years. The hockey stick, and what waiting 5 years costs you.

What your old budget costs today. Official CPI vs real per-category increases.

Break your income into every 2026 federal bracket. Effective vs marginal. Pre-tax 401(k) savings.

How much interest you give up by keeping savings at a big bank vs a HYSA.

Have a lump sum to invest? Compare all-at-once to spreading across 6/12/18/24 months using real S&P 500 or Bitcoin history. See which wins and by how much.

Compare SPAXX, FZFXX, FDLXX, HYSAs, T-bills, and CDs on an after-tax basis given your federal and state bracket.

Build a CD ladder with 3 to 7 rungs. Per-rung interest, blended yield, and a reinvestment schedule.

Enter any nominal rate and inflation assumption to see real return, lost purchasing power, and the true after-inflation yield.

See the US Treasury yield curve across maturities. Normal, flat, or inverted, the shape that has preceded recessions.

When M2 grows faster than output, prices follow with a 12-to-18 month lag. The historical relationship, charted.

Same money supply, different velocity, different economy. The Wörgl experiment and the equation of exchange, visualized.