Tools

Calculators

Simple, transparent calculators from the book and the articles. Every one runs entirely in your browser, so nothing you type is sent to a server; a couple of tools can save snapshots in your own browser, which you can clear anytime.

Net Worth Calculator How much am I worth, how do I compare to others my age, and how close am I to financial independence? Mortgage Payoff Calculator How much sooner do I pay off my mortgage, and how much interest do I save, with extra payments? Take-Home Pay Calculator What actually lands in my account after tax? (Canada + US, 2026 rates) 2026 Contribution Room How much room do I have left this year? Canada (TFSA / RRSP / FHSA) or US (401k / IRA / HSA). Early Retirement Calculator When can I retire? My financial-independence number, savings rate, Coast FIRE point, and years to freedom. Rent vs Buy Calculator Should I rent or buy? The break-even year and the real cost of my down payment. Debt Payoff Planner Avalanche or snowball? My payoff date, total interest, and what an extra payment saves. Freedom Price Calculator What does this purchase really cost — in hours of my life and days of future freedom? Investment Fee Calculator How much of my final portfolio will fees quietly eat over a lifetime? Mortgage Payoff vs Invest Should I pay extra on my mortgage, or invest the difference? DCA vs Lump Sum Invest a windfall all at once, or spread it out? The odds either way. Real Hourly Wage What's my true hourly wage after commute, prep, and work costs? Traditional vs Roth Pre-tax now or tax-free later? Which wins for my tax rates. Portfolio Analyzer What am I really holding? My true asset-class and currency mix, home-country tilt, a new-money plan to move toward a target (no selling), and a growth simulation. Portfolio Simulator What range could my asset mix produce? A Monte Carlo across 2,000 market paths — from a simple four-asset core to factor tilts, or your own custom assets. Freedom Number How much do I need invested before work becomes optional? Savings Rate → Years to Financial Independence If I save X% of my take-home pay, when do I reach FI? Cost of Waiting How much future wealth do I burn for every year I delay starting? Early vs. Late Saver Can a late start out-save an early one? Purchase → True Cost What does this purchase actually cost my future self? Days of Freedom If I stopped working today, how many days until my liquid money runs out? Freedom Net Worth (Four-Quadrant Liquidity Matrix) What is my net worth if I stop lying to myself about my house and my car? PAW / UAW Wealth Efficiency Check Given my age and income, am I an over- or under-accumulator of wealth? Doubling Time (Rule of 72) How long does it take my money to double — and how many doubles do I have left? Credit-Card Minimum Payment Trap How much money and time do I waste paying only the minimum? Car-Buy Opportunity Cost What does my next car decision really cost over 30 years? Hedonic Ratchet / 50%-of-Raise Check I just got a raise. If I let lifestyle absorb part of it, am I closer to FI — or further? Cash Buffer Sizer (Bond Tent) How big should my cash buffer be so I don't sell stocks at the bottom of a crash? Munger $100k Threshold ("The Slog" Timeline) When does my portfolio start out-earning me? The Matching Rule If I had to invest the same amount I'm about to spend, would I still buy?

Every calculator here is a simplified model for education, not financial or tax advice. See the disclaimer and terms.