Free financial planning tools
Every tool runs in your browser and shows how its result is calculated. None needs an account.
Retirement and taxes
- 1Retirement Planner3-scenario model with Monte Carlo simulation and 90% confidence projections.
- 2Wealth Building SimulatorDrag income, savings rate, returns and debt payoff to model net worth over 5, 10 and 20 years, and compare scenarios.
- 3Roth vs Traditional IRACompare tax now against tax later, based on your current and projected bracket.
- 4Roth Conversion AnalyzerModel partial Roth conversions by bracket: tax due now against future RMD savings.
- 5RMD CalculatorProject Required Minimum Distributions from age 73 to 90, with total tax exposure and a bar chart.
- 6FIRE CalculatorLean FIRE, Fat FIRE and Coast FIRE targets with years to goal and progress bars.
- 7Lifetime Wealth SimulatorNet worth charted from now to the end of life, to see whether your wealth outlasts retirement.
- 8Capital Gains CalculatorShort- vs long-term gains, NIIT, state tax and timing strategy.
- 9Self-Employed Tax HubSE tax, quarterly estimates, QBI deduction, SEP-IRA vs Solo 401k.
Portfolio and investing
Home buying and credit
- 12Buy vs Rent CalculatorTrue cost comparison with break-even year, equity build and opportunity cost.
- 13Home AffordabilityDTI, PMI, cash to close, and a 5-dimension Home Readiness Score.
- 14Refinance AnalyzerBreak-even calculation, monthly savings and lifetime interest comparison for refinancing.
- 15Buy Now vs WaitShould you buy today or keep saving? A 5-year cost model with rent vs own comparison.
- 16Loan Program Finder8 questions to find which FHA, VA, USDA or Conventional loan you qualify for.
- 17Utilization OptimizerThe exact paydown amount per card to hit your target utilization and improve your score.
- 18Mortgage Credit ImpactHow improving your credit score by 20 to 40 points changes your mortgage rate and total interest.
Budgeting and debt
- 19Budget Analyzer50/30/20 rule analysis with personalized targets and spending gaps.
- 20Debt Payoff CalculatorAvalanche vs snowball comparison with exact payoff date and total interest.
- 21Emergency Fund CalculatorHow much you need, where to keep it, and how long to build it.
- 22Credit Score SimulatorToggle credit events and see the estimated impact on your score and mortgage rate.
Life situations
- 23College Planner529 savings projector and student loan payoff calculator with gap analysis.
- 24Insurance Needs CalculatorsLife, disability and long-term care coverage needs with a combined monthly cost summary.
- 25Life Event Planning GuidesStep-by-step financial checklists for marriage, home buying, kids, job loss, divorce, inheritance and career change.
- 26W-2 Tax OptimizerPre-tax benefit headroom, withholding check and W-4 recommendations.
- 27RSU & ESPP CalculatorRSU vesting tax gap and ESPP qualifying vs disqualifying disposition comparison.
- 28Social Security OptimizerModel breakeven ages and lifetime benefits at each claiming age.
- 29Opportunity Cost CalculatorWhat a purchase would be worth if invested instead.
Net worth
Immigrant finance
- 31FBAR CheckerCheck FinCEN 114 and FATCA Form 8938 filing requirements for foreign accounts.
- 32Immigration Financial PlannerVisa-stage financial roadmap for H-1B, L-1, Green Card and citizen pathways.
- 33Return-to-India PlannerRequired corpus in INR and USD, savings gap, monthly contribution and currency risk.
Assessments
Scored questionnaires. Each gives you a number, what it means, and what to do next.
Not sure where to start?
The Financial Wellness Score is 22 questions, about 8 minutes. It scores 5 areas out of 850 and lists what to fix first.
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures