Free, private calculators for big money decisions.

Napkin math gets you started. These tools take you further: every assumption is editable, the math is explained, and everything runs in your browser.

  • Free, no sign-up
  • Every assumption editable
  • We don't store your numbers

Underwrite a rental before you buy it. Compare long-term and short-term rental strategies side by side: cash flow, cash-on-cash return, cap rate, IRR, tax effects and a 10-year outlook. You can compare several deals at once.

  • Real estate
  • Investing

See when you could retire and what it takes to get there. It models 401(k), Roth and taxable savings separately, uses a safe withdrawal rate that adjusts to how long retirement lasts, and stress-tests a bad first decade, all in today's dollars.

  • Retirement
  • Planning

Shows its working

Every assumption is visible and editable, and each tool explains its math.

How the tools work →

Goes beyond napkin math

Stress tests, tax effects and timing are built in, because they change the answer.

Read the guides →

Free, no sign-up

No account needed, and we don't store your numbers. Your inputs stay in your browser.

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