One question, one minute, one next step.
Each tool answers a single money or life question — am I on track? how long could I last? when could I stop? — explains the answer in plain English, and points you to the Wealth Score assessment that goes deeper.
- Free, no sign-up
- Runs in your browser
- Nothing you type is saved
Seven free tools
Net Worth Check
“Am I on track for my age and income?”
Compare what you own minus what you owe with a classic rule of thumb and with U.S. households your age. Don’t know your number? A guided builder adds it up for you.
Check my net worthEmergency Fund Calculator
“How many months could I last without a paycheck?”
Months of essentials your savings cover, the target that fits your income, and when you’ll get there.
Check my cushionSavings Rate Calculator
“How much of my income am I keeping?”
Your true savings rate, counting retirement contributions, and the working years it points to.
Find my rateFI Number & Retirement Gap
“How much do I need, and am I on pace?”
Your number from the 4% rule, a projection to the age you choose, and what would close the gap.
Find my numberYour Real Hourly Wage
“What am I really paid once commuting and recovery count?”
Every hour work takes and what it costs, and what a purchase really costs in hours of your life.
Find my real wageDebt Payoff Planner
“Avalanche or snowball: when will I be debt-free?”
Both methods run month by month: your debt-free date, total interest, and the order to pay.
Plan my payoffThe Cost of Waiting
“What does starting five years later really cost?”
The same monthly amount started today versus later, and what it takes to catch up.
See the costHow our tools work
Private by design
Every calculation happens on your device. There’s no account, no tracking of what you enter, and nothing to delete afterwards.
Plain-English answers
You get a clear result band, a chart of your own numbers, the rule of thumb behind it, and the words you’ll need.
A next step, not a verdict
Each tool links to the matching assessment and guide, so one number becomes part of your full Wealth Score.
Tools are for self-reflection and education, not financial, tax, or legal advice. Want a tool we haven’t built? Tell us.