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 planners

Manage what comes in and out. Build runway. Get out of debt.

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Avalanche & snowball

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?"

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Windfall optimizer

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?"

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Wealth Acceleration

4 planners

Grow long-term wealth. Model FIRE scenarios. Plan for early retirement.

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Gap analysis

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?"

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Live projection

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?"

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Stop-contributing date

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?"

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ACA optimization

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?"

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Capital Allocation

1 planner

Make smart decisions on major purchases and asset deployment.

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Break-even analysis

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."

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