Tools for the decisions that actually move the number
Every one of these runs in your browser. No account, no email wall, nothing to install. They exist because the arithmetic behind a serious money decision is usually simple, and almost never actually done.
They are grouped by the question you are asking, not by category.
Plan and track
Whether the plan you are running can actually produce the outcome you have in mind, and what happens to it under stress.
DCA Simulator
Run a dollar-cost-averaging plan against real price history across crypto, S&P 500 stocks and commodities, and see what the schedule actually produced rather than what it felt like.
Plan Gap
Solves your plan backward: the contribution your goal actually requires, against the one you are making today. Prices all three ways to close the difference.
Optionality Tracker
The retirement number funds the life you live now. There is an earlier number that funds the life you would accept, it arrives years sooner, and almost nobody has worked out where it sits.
Peer Benchmarking
Where you stand against people like you. Most tools stop at the rank; this one carries on to what that position actually funds, which is the part that matters.
Black Swan
Build your portfolio, then replay it through the crashes that actually happened. It cannot tell you what the next one holds, and it does not pretend to.
Spousal Sync
Where two people genuinely agree about money and where they do not. Most money arguments are two unspoken default settings meeting for the first time.
Before you spend
These price the alternative to a purchase. None of them is here to talk you out of anything — if it is worth it to you, it is worth it.
Time Value of Purchases
What a purchase costs once you count what the same money would have done instead. It prices the alternative and leaves the decision to you.
Opportunity Cost
Waiting for a better entry feels free. It is not: every month you wait, the money is not working. This prices the wait, risk-adjusted rather than best-case.
Rent vs Buy
Buying is not automatically the better deal and renting is not throwing money away. Which one wins turns on two numbers nobody knows in advance, so the tool shows you both.
Degree ROI
Tuition is the number everyone argues about and usually the smaller half of the bill. The larger half is the salary you did not earn while studying, and nobody invoices you for it.
Decay vs Appreciation
Most things start losing value the moment you own them. The money you could have invested does the opposite. Both lines, drawn on one chart.
Free up the cash
For money that is already leaving your account every month without being decided on again.
Subscription Vampire
Subscriptions are small on purpose — each one priced to sit just below the level where you would stop and think. This adds them up and runs the total forward.
Minimum Payment
A minimum payment is designed to keep you paying, not to get you out of debt. This runs the schedule month by month so you can see where the money goes.
The conditions underneath
Not what to buy, and not when. What the money supply behind every asset is actually doing, measured rather than narrated.
Global Net Liquidity
The combined balance sheets of the Fed, ECB, Bank of Japan, PBoC and Bank of England, net of the Treasury account and reverse repo, week by week — with Bitcoin, the S&P 500 and gold on the same chart so you can see how closely they actually track it.
When the free version runs out of room
The tools above stay free. These pick up where they stop.
DCA Simulator Pro
The simulator without the ceiling: custom portfolios, longer projection horizons and the analysis the free edition marks as premium.
Global Net Liquidity Pro
The liquidity chart with the full history behind it: thirty years instead of three, and unemployment, the dollar index, Fed rates, CPI and M2 laid over the same axis. Adds the data table and CSV, image and PDF export.
The Operator's Mindset
Fifteen lessons on the part no calculator reaches: staying with a correct plan through the years when it does not feel correct.
The Operator's Audit
A structured review of the plan you are actually running, against the one you think you are running.
One page, no alerts
The Dynamic DCA Blueprint lays the deployment framework out on a single page. No dashboard to check, nothing to log into, and no notifications — which is the entire point of it.
Educational content only — not financial advice. Every tool here is a calculator, not a recommendation, and none of them knows anything about your circumstances.