See where your money stands.
Answer 22 questions in about 8 minutes. You get a score out of 850 across 5 areas of your finances, and a list of what to fix first. It is free, and you do not need an account.
- 1Financial Wellness Score22 questions, about 8 minutes. 5 areas scored out of 850, and a list of what to fix first.
- 2Guided Financial PlanBuilt on your real numbers: net worth, savings rate, retirement projection, and steps for today, 90 days and year one. Three minutes for the short version, about ten for the full one.
- 3Money OverhaulEight weeks, about one hour a week, starting with your weakest area. Progress saves on this device without an account.
Projected net worth, age 30 to 65
Sample inputs- Net worth at age 40
- $157,506
- Net worth at age 50
- $520,532
- Net worth at age 65
- $1,976,875
- Debt paid off at age
- 38
- Retirement target of $1,250,000 reached at age
- 60
Sample inputs: age 30, income $70,000, savings $25,000, debt $15,000, saving 15% of income, 6.5% return. The grey range shows returns 1.5 points higher or lower. Computed by the same engine as the Wealth Simulator.
How the math is checked
Checked against the IRS
Tax figures are tested against values the IRS publishes, and the test suite fails the build if a year rolls over without them.
Cross-checked simulations
Monte Carlo results are compared across four independent engines before a projection is trusted.
The math is shown
Every calculator has a "How this is calculated" section, so you can check the method yourself.
No lender, broker or insurer pays us. If you hire WealthSerene directly for financial services, we may be paid for that work. Read the disclosure.
Have a specific goal?
Pick what is on your mind and go straight to the guide for it.
The quiz routes you to a guide from three answers. Nothing is stored beyond this device.
Calculators
31 free calculators. Each one shows how it is calculated.
- 1FIRE CalculatorCould you retire decades early? Your Lean, Fat and Coast FIRE numbers.
- 2Opportunity CostWhat a large purchase would be worth if invested for 30 years.
- 3RSU and ESPP CalculatorWhat your RSUs are worth after tax.
- 4Credit Score SimulatorTest a move against your FICO score before you make it.
- 5Social Security OptimizerClaim at 62 or wait until 70: the lifetime difference.
- 6Lifetime Wealth ProjectionNet worth mapped to age 90. Will your money outlast you?
Want the full picture?
Your Financial Blueprint
The three steps get you moving. The Blueprint is where it all lives: a full financial plan built from your real accounts and holdings, updated as markets move, scored across eight areas, and yours to keep without an account.
- Everything linkedAccounts, holdings, goals, debts and income in one model, with live market prices.
- Monte Carlo projectionHundreds of simulated market paths show the odds your retirement plan holds.
- Goals, fundedEach goal gets a monthly figure and the account to fund it from.
- Your report, on paperA financial health report across 15 ratios, downloadable as a PDF.
Keep your results
Everything you do here is saved on this device. A free account keeps your score, plans and checklists across devices, and you can delete it, and every record, at any time.