Interactive Planners
Financial planners built around real questions
Not generic calculators — full-page interactive planners built around the specific anxiety patterns people bring to r/personalfinance and r/financialindependence. Live charts. Shareable results. No signup.
Cash Flow
2 plannersManage what comes in and out. Build runway. Get out of debt.
Debt Payoff Planner
See your exact payoff date and total interest saved, comparing avalanche vs snowball strategies with a live amortization chart.
From Reddit: r/personalfinance: "I have $28K in credit cards across 5 cards — which order should I pay them off?"
Lump Sum Deployment Planner
Got a bonus, inheritance, or RSU vest? See the mathematically optimal allocation waterfall and compare 3 deployment scenarios over 10 years.
From Reddit: r/personalfinance: "Just inherited $60K. I have CC debt, no emergency fund, and no retirement savings. What do I do?"
Wealth Acceleration
4 plannersGrow long-term wealth. Model FIRE scenarios. Plan for early retirement.
Retirement Planner
Enter your age, savings, contributions, and planned spending. Get a year-by-year projection and gap analysis showing whether you're on track.
From Reddit: r/personalfinance: "I'm 42 with $180K saved. Am I behind? Can I retire at 65?"
Wealth Growth Calculator
Model how investments compound over decades with a live chart. Includes lump sum, monthly contributions, and a shareable results URL.
From Reddit: r/financialindependence: "How do I visualize my net worth growth over 30 years at different savings rates?"
Coast FIRE Planner
Find the exact age you can stop contributing and let your savings coast to your FI Number. Live dual-line chart shows your coast crossover point.
From Reddit: r/financialindependence: "I'm burned out at 38 with $280K saved. Can I take a lower-stress job and just let it grow?"
Healthcare Bridge Calculator
Calculate exactly what you'll pay for healthcare from early retirement to Medicare at 65 — with and without ACA income management.
From Reddit: r/financialindependence: "My math works at 54 but healthcare is the one thing I can't model. What will it actually cost?"
Capital Allocation
2 plannersMake smart decisions on major purchases and asset deployment.
Rent vs Buy Decision Engine
The definitive rent vs buy model with 5/10/20-year projections, opportunity cost of down payment, and a break-even crossover chart.
From Reddit: r/personalfinance: "My parents say buying is always better than renting. The numbers in my city don't seem to support that."
Buy Now vs Wait Decision Engine
Buy at today's rate or wait for prices and rates to drop? Solves for the exact break-even, models a "marry the house, date the rate" refinance, and flags when waiting becomes an affordability risk.
From Reddit: r/personalfinance: "Everyone says rates will drop next year. Do I buy now at 7% or wait it out and keep renting?"
All Pillars
1 plannerA complete picture of your financial health across cash flow, debt, savings, and investments.
Looking for a specific calculator?
Browse 60+ tools across cash flow, wealth, capital allocation, and income.