Additional tools to make informed financial decisions

Retirement Planning

FIRE Planning Calculator
FIRE Planning Calculator

Check life expectancy and distribution of lifetime savings, customized for income, expense, and asset allocation.

Saving and Withdrawal
Saving and Withdrawal

Calculate how much you need to save monthly to attain the goal, and how much you can withdraw then.

Max out 401k or Not
Max out 401k or Not

Decide to save in pre-tax account (401k or IRA) or after-tax account (Roth IRA or trading account).

Investment Assessment

Bond Calculator
Bond Calculator

Calculate the bond price, yield, duration, and interest rate risks.

Stock Value Calculator
Stock Value Calculator

Calculate the stock fair value, evaluate price sensitivity, and avoid overvalued stocks.

Portfolio Risk Assessment
Portfolio Risk Assessment

Review full investment risks, including equity, interest rate, credit risk, and various holding-period risk.

Investment with Margin Loan
Investment with Margin Loan

Margin loan calculator. The return and risk of margin investing. What to consider before using margin loan.

Investment Fee Calculator
Investment Fee Calculator

Financial advisor fee calculator & comparison. Impact of investment management fees & yield on retirement.

House Decisions

Mortgage Finance
Mortgage Finance

Calculate mortgage payment of different loan feature, decide to buy or rent, check the affordability.

Mortgage Refinance
Mortgage Refinance

Calculate refinance benefit for the lower loan rate, and calculate the embedded rate of cash out.

Sell the House or Keep it
Sell the House or Keep it

Calculate the cost & benefit, to see whether to sell the house, paying rent, or keep the house, saving rent.

Automobile Decisions

Automobile Finance
Automobile Finance

Calculate auto loan payment. Compare different loan offered. Compare the finance of loan vs lease.

Buy EV or Gas Car
Buy EV or Gas Car

Electric vs. Gas Cars. Full comparison of cost, benefit, fuel, incentive & depreciation considered.

General Loan Decisions

Loan Calculators
Loan Calculators

Calculate the payment of personal, student, or business loan, and the refinance benefit.

Avalanche vs. Snowball
Avalanche vs. Snowball

Calculate the saving of each debt-payoff option. Which one is better? Should I make any extra payment?

Saving Insights

Credit Cards Optimization
Credit Cards Optimization

Provide the best customized selection of credit cards based on your spending.

Save More with Gift Card
Save More with Gift Card

See how to receive the most monetary rewards from your spending by using gift cards.

Finances of What You Care

Project Finance
Project Finance

Evaluate the financials of your dream project, such as college, graduate school, or entrepreneur.

Cost of Raising a Child
Cost of Raising a Child

Calculate the total cost to raise a child from a list of expenses, adjusted with inflation and customized growth.

Travel Planning & Budget
Travel Planning & Budget

Create daily budget for your next itinerary in one efficient template. Easy to check and follow through.

Salary Stopwatch
Salary Stopwatch

Calculate your hourly pay by considering PTO, holidays, and daily working hours.