Interactive decision models to test assumptions, compare scenarios, and make major financial decisions with clarity. Free, fast, private, and calculated instantly in your browser.
Calculate monthly payments, interest vs. principal breakdown, full amortization schedules, property taxes, PMI, homeowners insurance, and analyze how extra monthly or lump-sum payments accelerate your payoff date.
Launch Mortgage Model →Forecast portfolio growth, safe withdrawal rates, inflation-adjusted spending, and run Monte Carlo simulations for retirement success probability across different asset allocations.
Launch Retirement Model →Simulate long-term compound interest, periodic contribution increases, fee drag, expense ratios, dividend reinvestment, and realistic inflation-adjusted wealth outcomes.
Launch Investment Model →Compare total wealth accumulation over your time horizon. Account for equity growth, property taxes, maintenance, rent inflation, and the opportunity cost of down payments invested in index funds.
Launch Rent vs Buy Model →Manage multiple credit cards, student loans, and auto loans. Visualize exact debt-free dates and compare interest saved between the Debt Avalanche (highest interest first) and Debt Snowball (lowest balance first) strategies.
Launch Debt Payoff Model →Aggregate cash, liquid investments, real estate equity, and liabilities to model multi-year net worth trajectory and estimate financial freedom milestones.
Launch Net Worth Model →Analyze the true total cost of ownership (TCO) comparing new vs used car financing against leasing, including depreciation curves, insurance, maintenance, and residual values.
Launch Car Cost Model →Compare two career paths side-by-side, evaluating annual salary raises, performance bonuses, equity / RSU vesting schedules, and the compound impact of job changes over your lifetime.
Launch Career Model →Evaluate real estate investments with detailed cash flow breakdowns, Cap Rate, Cash-on-Cash Return (CoC), Internal Rate of Return (IRR), and rent sensitivity matrices.
Launch Rental ROI Model →Simulate startup financial runway, revenue growth, customer acquisition costs, churn rates, scheduled future hires, and break-even milestones.
Launch Startup Runway Model →Every calculation updates dynamically as you adjust sliders and inputs, giving immediate clarity on complex compound scenarios.
Your financial numbers never leave your browser. No mandatory accounts, no server tracking of your net worth, debts, or income.
Test "What If" questions side-by-side: what if interest rates drop, what if you make extra mortgage payments, or what if you retire 5 years earlier?