⚡ Advanced Financial Tools

8 first-of-kind tools — FI Dashboard, Couples Money Alignment, Health & Wealth, Student Loans, Small Business, What-If Planner, Recession Hub, and Net Worth Tracker. All free.

📊 Most Popular

FI Dashboard

12-metric financial independence tracker with Coast FI, Lean FIRE, Fat FIRE

💑 Viral

Couples Money Alignment

Compare your money personalities and find your biggest gaps

🏥 Unique

Health & Wealth Hub

True cost of medical events, insurance comparison, disability gap

🎓 45M Users

Student Loan Engine

Compare every repayment plan, PSLF eligibility, optimal strategy

🏢 New

Small Business Finance

S-Corp vs LLC, pricing calculator, break-even, employee cost

🌱 First of its kind

What-If Scenario Engine

Model any major life decision and see the 30-year financial impact

📉 Essential

Recession Preparedness

Job loss calculator, triage checklist, financial stress test

📈 Track Over Time

Net Worth Tracker

Complete asset & liability tracker with benchmarks by age

📊 Financial Independence Dashboard

Complete FI Dashboard

12 financial independence metrics calculated simultaneously. See your Coast FI number, Lean FIRE vs Fat FIRE, passive income, and exactly how many years of freedom you've bought back.

Your Numbers

Current Age

Annual Income

Annual Expenses

Current Investments / Net Worth

Expected Return 7%

$1.55M

Your FIRE Number
(25× expenses)

5.5%

Progress to
Financial Independence

18yr

Years to
Full FIRE

$283

Monthly Passive
Income Today

FI Progress

$85,000 of $1,550,000

—

Coast FI Number
Stop investing, coast to 65

—

Lean FIRE
(50% of expenses)

—

Fat FIRE
(150% of expenses)

—

Years of Freedom
Purchased So Far

💑 Couples Money Alignment Tool

Aligned Are You on Money?

Both partners rate the same 8 financial topics independently. See where you align perfectly, where you diverge, and get conversation starters for your biggest gaps.

💡 How to use this: Each partner fills in their own column independently — don't look at each other's answers until you click "Compare." The results are most useful when you're both honest.

👤 Partner 1

👤 Partner 2

🏥 Health & Wealth Hub

Financial Side of Healthcare

Medical events are the #1 cause of bankruptcy. These calculators show you the true financial impact of healthcare decisions — and how to protect yourself.

🚑 True Cost of a Medical Event

Select a medical event to see average out-of-pocket costs by insurance type

🚨

ER Visit

$800–$3,000 OOP

🔪

Appendectomy

$2K–$12K OOP

❤️

Heart Attack

$4K–$25K OOP

🎗️

Cancer Treatment

$10K–$50K OOP

👶

Childbirth

$1.5K–$8K OOP

🦴

Broken Bone

$800–$4K OOP

Your Annual Deductible

Your Out-of-Pocket Maximum

Medical Event Total Cost—

Your Estimated Out-of-Pocket—

Insurance Pays—

Emergency Fund Needed—

🦽 Disability Income Gap Calculator

If you became disabled tomorrow, what's your actual income gap?

Monthly Take-Home Income

Monthly Essential Expenses

Employer Short-Term Disability (% of salary)

Social Security Disability (est. monthly)

Income if Disabled (short-term)—

Income if Disabled Long-Term (SSDI)—

Monthly Income Gap—

Annual Income Lost—

💡 Individual disability insurance typically costs 1–3% of income annually and covers 60–70% of salary. For most workers, it's the most important unowned insurance.

🎓 Student Loan Decision Engine

Your Optimal Repayment Plan

Compare every federal repayment plan side-by-side. See PSLF eligibility, forgiveness timelines, and total lifetime cost. The most comprehensive free student loan tool available.

Your Loan Details

Total Federal Loan Balance

Weighted Average Interest Rate

Adjusted Gross Income (AGI)

Family Size

Employment Type

Plan Comparison

Enter your details to get your personalized recommendation.

📊 Full Repayment Schedule

🏢 Small Business Finance Hub

Tools for Business Owners

From pricing your services to deciding if you should elect S-Corp status — the financial tools every freelancer and small business owner needs.

⚖️ S-Corp vs LLC Tax Savings

At what income does electing S-Corp status start saving you money?

Annual Self-Employment Income

State Income Tax Rate 5%

Reasonable Salary (for S-Corp)

As LLC/Sole Prop: Total Tax—

As S-Corp: Total Tax—

Annual S-Corp Savings—

Break-Even Point—

💡 S-Corp elections typically make sense when self-employment income exceeds $60,000–80,000. Consult a CPA before electing.

💰 Freelance Pricing Calculator

What should you charge to hit your income goal after taxes and expenses?

Desired Annual Take-Home Income

Annual Business Expenses

Billable Hours Per Week 30 hrs

Weeks Off Per Year 4 wks

Required Gross Revenue—

Annual Billable Hours—

Minimum Hourly Rate—

Daily Rate (8 hours)—

🌱 What-If Scenario Engine

Any Major Life Decision

Choose a life scenario, enter your details, and see the complete 10, 20, and 30-year financial impact of both choices side by side.

Select a Scenario

← Select a scenario to model

📉 Recession & Emergency Preparedness

Long Could You Survive a Crisis?

Job loss calculator, financial triage checklist, and stress test your finances against a real economic emergency.

⏳ Job Loss Survival Calculator

Emergency Fund Balance

Monthly Take-Home Income

Monthly Essential Expenses

Estimated Unemployment Benefits (monthly)

Bare-Bones Monthly Burn—

With Unemployment Benefits—

Months You Can Survive—

Emergency Fund Adequacy—

🚨 Financial Triage Checklist

If you lost your job today, check off these steps in order of priority:

📊 Financial Stress Test — What Would You Cut First?

In a financial emergency, your spending naturally falls into tiers. Here's how to think about cuts:

📈 Net Worth Tracker

Complete Net Worth Dashboard

Track every asset and liability. See your total net worth, how you compare to benchmarks for your age, and whether you're on track for financial independence.

💚 Assets — What You Own

❤️ Liabilities — What You Owe

Your Net Worth

Add your assets and liabilities above

$0FIRE Goal: set above

Total Assets

Total Liabilities

📊 Net Worth Benchmarks by Age

Your Age