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201 free simulators to help you make better life decisions.

💰 Financial Tools (40) 🧠 Career & Psychology (14) 💪 Health & Habits (10) ⏰ Time & Productivity (12) 📚 Learning & Skills (6) 🏠 Housing & Property (10) 👨‍👩‍👧 Family & Life Events (8) 🌱 Sustainability & Green Living (5) 🚀 Entrepreneurship (15) 🚗 Transportation & Vehicles (5) 📈 Investing & Wealth Building (12) 🛡️ Risk & Resilience (6) 🧓 Retirement & Aging (7) 💳 Debt & Credit (9) ❤️ Relationships & Money (8) 🎓 Education & Student Debt (8) 🧾 Tax Strategy (10) 🌐 Digital Spending & Subscriptions (8) 🏛️ Estate Planning (8)

💰 Financial Tools

40 tools →

"Will I have enough?"

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Buy vs. Subscribe
Compare the true cost of buying outright vs. recurring payments.
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Compound Interest
Visualize real returns after inflation.
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Rent vs. Buy
Full financial picture of renting vs. homeownership.
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FIRE Calculator
Monte Carlo simulation of your path to financial independence.
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Personal Inflation
Build your spending basket and discover your real inflation rate.
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Loan Payoff
Pay off debt faster or invest the extra?
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Opportunity Cost
What would this money be worth if invested instead?
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DCA vs Lump Sum
Invest all now or spread it out? Monte Carlo simulation.
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Value Averaging vs DCA
Edleson's Value Averaging on 5 market regimes — terminal, IRR, and the cash drag VA quietly demands.
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Dividend Income
How much monthly income can you build from dividends?
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DRIP vs Cash Dividends
Reinvest dividends for the snowball, or take them as income? See the wealth gap.
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Salary Impact
How much is a small raise really worth over a career?
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Tech TC Breakdown
Software engineer total comp: base + bonus + RSU + 401(k) + ESPP, COL-adjusted across cities.
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RSU Vesting + Cliff Trap
How equity grants pay out under cliff + vest schedules. What you forfeit if you leave year 1.
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ISO Exercise + AMT
The phantom tax bill on ISO exercise — see your AMT, total cash needed, and break-even sale price.
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Promo vs Job Hop
5-year TC under both paths, probability-weighted, with new-job cliff penalty modeled honestly.
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Stock Valuation
Is this stock fairly priced? 11 valuation methods.
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Net Worth
Assets minus debts — your financial snapshot in one number.
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Savings Goal
When will you hit your savings target with compound growth?
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Mortgage Calculator
Monthly payment, total interest, and amortization breakdown.
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Budget Calculator
The 50/30/20 rule — customized for your income.
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Emergency Fund
How big should your emergency fund really be? Risk-scored — 3, 6, 9, or 12 months based on your specific situation.
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Investment Fee Drag
What fund expense ratios actually cost you. The compounding 1% that eats 25-30% of your terminal wealth over 30 years.
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Roth vs Traditional
Apples-to-apples after-tax comparison: Roth vs Trad + side taxable. See how marginal-rate differential actually decides the winner.
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HSA Optimizer
Triple-tax-advantage math: spend, stealth-Roth invest, or skip HSA — which actually wins on your numbers?
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Life Insurance Needs
How much coverage does your family actually need?
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Insurance IRR
What's the real return on your insurance policy?
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Renovation ROI
Will this renovation increase property value enough to justify the cost?
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Utility Savings
Will energy-efficient upgrades pay for themselves?
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Solar ROI
Is installing solar panels worth it?
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Car Ownership
Buy, lease, or take public transit — which saves the most?
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EV vs Gas
Is an electric car actually cheaper than gas over time?
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Used Car Cost
The true cost of owning a used car, including repairs and depreciation.
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Freelancer Rate
What hourly rate do you need to charge to hit your income goal?
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Startup Cost
How much runway do you need before launching a business?
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Side Hustle Income
What can you realistically earn from a side hustle after costs and taxes?
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Debt Payoff Strategy
Avalanche vs. Snowball vs. Minimum-Only — see which strategy saves the most interest and how it compares to investing instead.
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Retirement Withdrawal Calculator
How long will your savings last? Model withdrawals, inflation, and safe withdrawal rate.
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401(k) Tax Savings Simulator
Pre-tax retirement contribution this year + the compounded retirement balance — both timescales at once. Shows the surprisingly small paycheck hit after the IRS rebates your marginal rate.
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Tax Refund Opportunity Cost
Your refund is a 0% loan to the government. See what those withholdings would have grown to if invested instead.
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🧠 Career & Psychology

14 tools →

"Am I on the right path?"

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Career Aptitude (RIASEC)
30-question assessment to find your career fit.
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Stress Cost
How much is chronic stress actually costing you?
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Meeting Cost
The true cost of that recurring meeting in time and money.
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Screen Time Cost
What is your screen time really costing you in lost hours?
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Social Media Time
How much life are you scrolling away each year?
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Procrastination Cost
What does delaying 1 year cost you in compound growth?
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Job Offer Comparison
Compare two job offers: total comp, commute cost, equity, and 5-year wealth impact.
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Tech TC Breakdown
Software engineer total comp: base + bonus + RSU + 401(k) + ESPP, COL-adjusted across cities.
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RSU Vesting + Cliff Trap
How equity grants pay out under cliff + vest schedules. What you forfeit if you leave year 1.
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ISO Exercise + AMT
The phantom tax bill on ISO exercise — see your AMT, total cash needed, and break-even sale price.
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Promo vs Job Hop
5-year TC under both paths, probability-weighted, with new-job cliff penalty modeled honestly.
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Decision Detox
Rank your options through pairwise comparison — cut through indecision one A-vs-B at a time.
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Social Energy Battery
Map your week's events and predict when your social energy hits the danger zone.
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Regret Simulator
Compare action vs. inaction regret across 1, 5, and 10-year horizons. Fear fades. Regret grows.
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🚀 Entrepreneurship

15 tools →

"Is working for myself viable?"

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Freelancer Rate
What hourly rate do you need to charge to match your current salary after taxes and costs?
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Startup Cost
How much runway do you need before launching? Model your burn rate and survival timeline.
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Cloud Bill Estimator
AWS/GCP/Azure cost estimate for solo dev / small team. The egress trap line included.
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SaaS Metrics → Profitability
LTV, CAC, churn, payback — and the month MRR replaces your day-job take-home.
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Founder Salary Sustainability
What's the safe salary your indie SaaS can pay you today, given MRR, margin, and tax reserve?
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Side Hustle Income
What can you realistically earn from a side hustle after costs and taxes?
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Real Hourly Rate
What does your current job actually pay per hour after commute and work costs?
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Procrastination Cost
What does delaying the launch of your business cost in compound growth?
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Remote Work Savings
If you go fully remote as a freelancer, what's your annual savings on commute and office costs?
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Geo-Arbitrage Calculator
Keep the SF/NYC salary, move to a cheaper city — savings rate boost + 10y wealth gap.
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Remote Pay Cut Tradeoff
Company-imposed pay cut on relocation — break-even cut % and net wealth impact.
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Digital Nomad Tax
US person abroad: FEIE 330-day rule, Foreign Tax Credit, and state-claim risk.
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Sabbatical ROI
Quantify the financial cost of taking time off — cash, foregone, lifetime impact.
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Slow Travel vs Rent
Three-option lease comparison for 3-12 month trips abroad.
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FIRE Abroad
How much earlier can you retire abroad? COL + healthcare adjusted SWR target.
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