Calculators that show their work.

Retirement calculator

Project a nest egg from savings, contributions, and a real return, then compare it with spending.

Net worth percentile calculator

See where a household net worth sits in the SCF age band, in July 2026 dollars.

Years to FI calculator

Estimate how long invested assets and contributions take to reach a FIRE number.

FIRE number calculator

Divide annual spending by a withdrawal rate to get a portfolio target.

Coast FIRE calculator

Find the portfolio that could grow to your FIRE number with no new contributions.

Savings rate calculator

Divide savings by gross or take-home income and see the rate explicitly.

Emergency fund calculator

Turn months of essential spending into a cash target and a gap.

401(k) match calculator

See the employer match and any match left on the table. The 2026 deferral limit is a labeled default.

Compound growth calculator

Project a balance from a starting value, an annual contribution, and a real return.

Safe withdrawal calculator

Multiply a portfolio by a withdrawal rate to see year-one spending.

Net worth calculator

Subtract debts from assets. A starting statement, not a percentile.

Roth vs. traditional calculator

Compare after-tax outcomes when the current and retirement tax rates differ.

Debt payoff calculator

Compare avalanche and snowball payoff times for a few balances.

Mortgage payoff vs. invest calculator

Compare extra principal with investing the same monthly amount.

Sequence of returns calculator

See how the same hypothetical returns end in different places when the bad years come first.