Tools
No hype, no black boxes — just the math behind the decisions that matter, laid out plainly.
Score Simulator
Move your income, savings, and debt levers and watch your readiness score respond — same engine as the real assessment.
Open calculator →Affordability
What you can actually afford, at three levels of comfort — not just what a lender will approve.
Open calculator →Debt Payoff
Avalanche vs. snowball, side by side, with the real interest cost of each.
Open calculator →Down Payment Goal
How long it will actually take to reach your down payment, at your real savings rate.
Open calculator →Monte Carlo Projection
1,000 simulated futures for your savings — because markets don't move in a straight line.
Open calculator →Rent vs. Buy
A five-year cost comparison — the honest answer depends on timing, not just math.
Open calculator →Emergency Runway
How many months your savings actually cover. Runway comes first.
Open calculator →FIRE Number
What you'd need invested to live on withdrawals alone — plus whether you're already coasting there.
Open calculator →Mortgage Payment
The full monthly payment broken into its real parts, plus the true cost of the loan over its life.
Open calculator →Roth Conversion
An educational look at tax cost today versus tax avoided later. Not a recommendation to convert anything.
Open calculator →Blind Budget
Plan without knowing your exact numbers. Precision isn't required for honesty.
Open calculator →