Tools
Explore all tools
Browse every calculator and dashboard by category.
Planning & Family
10
Creator Income Volatility
Model platform-income swings and reserve targets for creator and gig revenue.
Trend-to-Spend Pressure
Measure how social trend spending and impulse buys impact your monthly margin.
BlueSky Report
Your path to Financial Independence, visualized as weather.
FI Stress Test (Monte Carlo)
Run thousands of market paths to estimate your FI success probability.
Launch Pad
Financial survival guide for recent grads — runway, loans, budget, job decisions.
Trades vs College Degree
Compare long-run earnings with gender, AI disruption, and labor-demand assumptions.
College Planning & Decision
Compare full cost, aid, debt, and long-term outcomes to choose the best-fit college path.
Job Negotiation
Score an offer against total compensation and get a clear counter strategy.
Severance Negotiator
Score a severance offer and get a negotiation recommendation for fired, RIF, or retirement exits.
Fix Car vs Replace
Compare repairs vs buying new or used using downtime, reliability, insurance, fuel, and financing risk.
Personal Finance
9
Reality Dashboard
See what's really happening to your dollar and your money.
Latte Math
What's your daily habit actually costing you over time?
Minimum Payment Trap
See how long credit card debt really takes to pay off.
Paycheck Reality
What you actually take home and what's left after bills.
BNPL Truth
The real cost of Buy Now, Pay Later services.
Emergency Fund
Not generic advice - YOUR actual number based on YOUR life.
Cash Runway
Stress-test liquidity runway with inflation and debt drag.
Doomsday Clock
Move the financial doomsday clock using live data plus your own risk assumptions.
Side Hustle Rate
What you're really making per hour after gas, taxes, and wear.
Mortgage Forecasts
11
Mortgage Payment
Calculate your monthly payment with taxes, insurance, and PMI.
Affordability / DTI
Calculate how much house you can afford based on your income and debts.
VA vs FHA vs Conv
Compare VA, FHA, and Conventional loans side-by-side.
Buy vs. Rent
Compare the true cost of buying vs renting over time.
Extra Payments
See how extra payments can save you thousands in interest.
Lock vs. Float
Should you lock your rate? Get advice based on Fed outlook.
Tax vs. Mortgage Strategy
Find out if your tax write-offs are costing you more than they save.
Seller Concession
See why a rate buydown beats a price drop every time.
Equity Deployment
Discover if your "great rate" is actually holding you back.
Refinance Break-Even
Should you refinance? Find your break-even point.
Rental Property
Analyze cash flow, cap rate, and ROI for investment properties.
Market Intel
4
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Treasury Spread
Are mortgage rates fair? Compare to Treasury yields.
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Inflation Impact
See how inflation erodes your real mortgage cost over time.
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Market Temperature
Is it a buyer's or seller's market? Check the data.
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Rate Lock Risk
Quantify the dollar risk of waiting to lock your rate.
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