Free financial planning tools

3-scenario model with Monte Carlo simulation and 90% confidence projections.

Compare tax-now vs tax-later based on your current and projected bracket.

Model partial Roth conversions by bracket — tax due now vs future RMD savings.

Project Required Minimum Distributions from age 73–90 with total tax exposure and bar chart.

Lean FIRE, Fat FIRE, and Coast FIRE targets with years-to-goal and progress bars.

SVG chart of net worth from now to end of life — see if your wealth survives retirement.

Short- vs long-term gains, NIIT, state tax, and timing strategy.

SE tax, quarterly estimates, QBI deduction, SEP-IRA vs Solo 401k.

Curated allocation templates from conservative to aggressive — fund suggestions included.

Build a custom portfolio, check drift vs target, and rebalance by contribution or sale.

True cost comparison with break-even year, equity build, and opportunity cost.

DTI, PMI, cash-to-close, and a 5-dimension Home Readiness Score.

Break-even calculation, monthly savings, and lifetime interest comparison for refinancing.

Should you buy today or keep saving? 5-year cost model with rent vs own comparison.

8-question quiz to find which FHA, VA, USDA, or Conventional loan you qualify for.

Find the exact paydown amount per card to hit your target utilization and improve your score.

See how improving your credit score by 20–40 points changes your mortgage rate and total interest.

50/30/20 rule analysis with personalized targets and spending gaps.

Avalanche vs snowball comparison with exact payoff date and total interest.

How much you need, where to keep it, and how long to build it.

Toggle credit events and see the estimated impact on your score and mortgage rate.

529 savings projector and student loan payoff calculator with gap analysis.

Pre-tax benefit headroom, withholding check, and W-4 recommendations.

RSU vesting tax gap and ESPP qualifying vs disqualifying disposition comparison.

Model breakeven ages and lifetime benefits at each claiming age.

What could any purchase become if invested instead? Neutral framing, just the numbers.

Multi-currency net worth with USD + INR support and Fidelity benchmarks.

Check FinCEN 114 and FATCA Form 8938 filing requirements for foreign accounts.

Visa-stage financial roadmap for H-1B, L-1, Green Card, and citizen pathways.

Required corpus in INR and USD, savings gap, monthly contribution, and currency risk.

10-dimension score with personalized recommendations.

Find tax optimisation gaps across 10 key areas.