Tools
Start with your Money Weather
Use BlueSky Report as the hub, then open the calculator that explains today's action for your cash, debt, job, housing, or FI path.
Your Forecast
Hub
This is the saved profile and daily action layer. The other tools should feed or explain this report.
BlueSky Report
Daily Money Weather for your profile: cash, debt, job, housing, market context, and the next actions to take.
Planning & Family
9
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.
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.
How Much Can I Afford?
See the home price and monthly payment your income and debts can realistically support.
Compare Loan Types
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 or Wait?
See whether locking now or waiting looks safer based on current market conditions.
Tax vs. Mortgage Strategy
Find out if your tax write-offs are costing you more than they save.
Seller Strategy
Compare a price cut, closing-cost help, or a rate buydown side by side.
Equity Deployment
Discover if your "great rate" is actually holding you back.
Should I Refinance?
See your break-even point and whether refinancing is worth it for your timeline.
Rental Property
Analyze cash flow, cap rate, and ROI for investment properties.
Market Intel
4
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Are Rates Fair Today?
Compare mortgage rates with Treasury yields to see whether pricing still looks expensive.
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Inflation Impact
See how inflation erodes your real mortgage cost over time.
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Buyer or Seller Market?
See whether conditions currently favor buyers or sellers.
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Cost of Waiting on Rates
Quantify how much waiting could add to your monthly payment and total cost.
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