One question, one minute, one next step.
Each tool answers a single money or life question (am I on track? how long could I last? when could I stop?), explains the answer in plain English, and points you to the Wealth Score assessment that goes deeper.
- Free, no sign-up
- Runs in your browser
- Nothing you type is saved
Free tools
Net Worth Check
“Am I on track for my age and income?”
Compare what you own minus what you owe with a classic rule of thumb and with U.S. households your age. Don’t know your number? A guided builder adds it up for you.
Check my net worthEmergency Fund Calculator
“How many months could I last without a paycheck?”
Months of essentials your savings cover, the target that fits your income, and when you’ll get there.
Check my cushionSavings Rate Calculator
“How much of my income am I keeping?”
Your true savings rate, counting retirement contributions, and the working years it points to.
Find my rateFI Number & Retirement Gap
“How much do I need, and am I on pace?”
Your number from the 4% rule, a projection to the age you choose, and what would close the gap.
Find my numberYour Real Hourly Wage
“What am I really paid once commuting and recovery count?”
Every hour work takes and what it costs, and what a purchase really costs in hours of your life.
Find my real wageDebt Payoff Planner
“Avalanche or snowball: when will I be debt-free?”
Both methods run month by month: your debt-free date, total interest, and the order to pay.
Plan my payoffThe Cost of Waiting
“What does starting five years later really cost?”
The same monthly amount started today versus later, and what it takes to catch up.
See the costCompound Interest Calculator
“How much will my money grow?”
What your savings and monthly deposits grow to, how much is interest, and how long money takes to double.
Grow my moneyRetirement Savings by Age
“How much should I have saved for retirement by my age?”
Your savings against Fidelity’s salary multiples for your exact age, and the monthly amount that reaches your next milestone.
Check my savingsRoth vs Traditional Calculator
“Should I choose Roth or traditional?”
Compare both at the same out-of-pocket cost, see which leaves more after tax, and find your break-even tax rate.
Compare them50/30/20 Budget Calculator
“How should I split my take-home pay?”
Your monthly targets for needs, wants and savings, and how what you really spend compares with each.
Split my paySocial Security Claiming Age Calculator
“When should I claim Social Security?”
Your check at every age from 62 to 70, the lifetime total each pays, and your break-even age.
Find my claiming ageRent vs Buy Calculator
“Is it better to rent or buy a home?”
Your net worth from buying versus renting and investing the difference, and the year buying pulls ahead.
Compare rent and buyInflation Calculator
“What is my money worth today?”
What any amount from 1913 on is worth in another year, with official CPI data from the Bureau of Labor Statistics.
Adjust for inflationNet Worth Percentile Calculator
“Am I in the top 10% by net worth?”
Where your household net worth ranks in the U.S. and for your age, from the Federal Reserve’s wealth survey.
Find my percentileIncome Percentile Calculator
“Where does my income rank in the U.S.?”
Where your household income ranks among all U.S. households and for your age, and where the top 10% starts.
Rank my incomeLife Expectancy Calculator
“How many weeks and weekends do I have left?”
Your life in weeks from official U.S. life tables: weeks, weekends and summers left, and your odds of reaching 80, 90 and 100.
See my weeksSleep Calculator
“When should I go to bed, and how much sleep am I missing?”
Bedtimes that fit 90-minute sleep cycles, and this week’s sleep debt against the recommended hours for your age.
Find my bedtimeLife Insurance Calculator
“How much life insurance do I need?”
Your family’s need by the DIME method, the gap after the cover and savings you have, and the term length that fits.
Find my numberBurnout Test
“Am I burned out?”
Thirteen questions from the Copenhagen Burnout Inventory score your personal and work-related burnout from 0 to 100.
Take the testLoneliness Test
“How lonely am I, really?”
Three research-backed questions, your score from 3 to 9, and small steps toward people.
Take the testFree Time Calculator
“How much free time do I really have?”
Your 168-hour week minus sleep and every obligation, compared with how Americans spend their leisure time.
Count my free hoursDigital Security Checkup
“How safe are my accounts and identity online?”
Thirteen quick checks on passwords, two-factor, devices, credit freezes and recovery, scored 0 to 100 with your fixes in order of risk.
Check my securityHealth Cost Readiness Calculator
“Could I cover my out-of-pocket maximum?”
How much of your plan’s worst-case year your HSA and savings cover, the shortfall, and your 2026 HSA room.
Check my coverageEstate Plan Checklist
“Is my estate plan complete?”
Your will, beneficiaries, powers of attorney, health care documents and digital accounts, scored, with a to-do list in priority order.
Check my planNo tool matches that yet. Try a broader word, or search the guides.
How our tools work
Private by design
Every calculation happens on your device. There’s no account, no tracking of what you enter, and nothing to delete afterwards.
Plain-English answers
You get a clear result band, a chart of your own numbers, the rule of thumb behind it, and the words you’ll need.
A next step, not a verdict
Each tool links to the matching assessment and guide, so one number becomes part of your full Wealth Score.
Tools are for self-reflection and education, not financial, tax, or legal advice. Want a tool we haven’t built? Tell us.