Free Tools

Financial Calculators
Built for Real People

No jargon, no paywalls — just honest tools that help you understand where you stand and what your decisions actually cost you.

Mortgage & Home
Most Popular
Mortgage + MI Calculators
Compare FHA, VA, and Conventional loans side by side. See real monthly payments, mortgage insurance costs, and breakeven points — powered by live Freddie Mac rates.
FHA vs VA vs Conventional Live Rates MI Breakeven
Open Calculator
Retirement
Retirement
Retirement Gap Calculator
Find out if you're on track for retirement. Enter your age, savings, income needs, and Social Security estimate — get a clear verdict: on track, close, at risk, or critical.
4 Verdict System Social Security Gap Analysis
Check Your Gap
Inflation
Inflation
Inflation Impact Calculator
See exactly how inflation is eating your purchasing power. Compare what $1,000 buys today vs. what it will buy in 10, 20, or 30 years at different inflation rates.
Purchasing Power Future Value Scenario Comparison
Run the Numbers
Bitcoin
Bitcoin
Bitcoin vs. Down Payment
What if you had put your down payment into Bitcoin instead — and then sold at the top? Run real historical DCA scenarios and lump-sum buys to see what each strategy returned.
DCA Scenarios Historical Data Buy the Bottom
Run Bitcoin Scenarios
Full Financial Picture
Premium Tool
My Financial Picture
Answer 5 questions about your age, savings, home equity, Bitcoin, and concerns — get a personalized AI-generated financial analysis covering your retirement outlook, real estate strategy, inflation exposure, and a custom action plan. Built for people who want real clarity, not generic advice.
Retirement Analysis Home Equity Strategy Bitcoin Assessment Custom Action Plan
Get My Financial Picture
$27
one-time report

Want Tim to Walk You Through the Numbers?

Book a 1-on-1 educational session — bring your questions about the Fed, inflation, savings, or home equity, and Tim will walk you through how to think about your numbers in plain English. Educational only; not personalized financial advice.

Book a Session with Tim — $250