Build a cash buffer
Keep roughly 3–6 months of essential spending in accessible cash before investing long-term money in volatile assets.
SMALL, USEFUL UTILITIES
Tools that do one job well.
Free browser-based utilities with clear inputs, transparent assumptions, and no account required.
01
Dividend reinvestment scenario calculator
No stock presets: enter your own price, dividend, tax, and reinvestment assumptions, then stress-test a dividend cut.
Open calculator ↗02Compound interest calculator
Model daily, monthly, or annual contributions, fee drag, purchasing power, goal gaps, and required contributions.
Open calculator ↗03FIRE number calculator
Estimate a portfolio target from annual spending and a planning withdrawal rate.
Open calculator ↗04Loan payment calculator
Estimate a fixed-rate loan's monthly payment, total repayment, and interest cost.
Open calculator ↗05Inflation calculator
See how inflation changes future costs and the purchasing power of money.
Open calculator ↗06Net worth calculator
Add assets and liabilities to get a clear snapshot of personal or household net worth.
Open calculator ↗MONEY HABITS
Make long-term decisions from clear assumptions.
Treat returns as scenarios
Returns, dividends, and inflation in a calculator are assumptions. Compare conservative, middle, and optimistic cases instead of treating one result as a promise.
Count fees and taxes
Management fees, trading costs, currency conversion, and taxes compound too. Check them separately when investing across markets.
Tools are educational aids. They run in your browser and do not collect the values you enter.