Finance Planning
Finance Planning Calculators
Retirement, income, investing, taxes — fast and transparent. No sign-up. No ads.
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How Long Will My Money Last?
Know your exact depletion date before you retire.
Open →FIRE Number Calculator
Calculate exactly how much you need to never work again.
Open →Dividend Income Projection
See your passive income stream 10, 20, and 30 years out.
Open →Investment Fee Impact
Reveal how fees silently steal hundreds of thousands.
Open →Covered Call Income
Turn your stock positions into a monthly income machine.
Open →Roth vs Traditional IRA
Which wins for your tax bracket? Find out in 30 seconds.
Open →Retirement & FIRE
🏖️ Will your money outlive you?
Plan the date you stop trading time for money — and make sure it sticks.
Income — Dividends & Options
💵 Make your portfolio pay you.
Generate consistent cash flow from assets you already own.
Investing & Net Worth
📊 Watch compound growth do the heavy lifting.
Understand where your wealth is going and how fees erode it.
Tax Decisions
🧾 Keep more of what you earn.
One choice between Roth and Traditional can mean six figures over a career.
Debt Decisions
⚖️ Pay off debt or invest — what's the math say?
Compare guaranteed returns from debt payoff against expected market returns.
Common questions
Finance Planning FAQ
Can I retire with $1 million?
At the classic 4% safe withdrawal rate, $1M supports $40,000/year of inflation-adjusted spending. Use the Portfolio Longevity Calculator to stress-test your specific number.
Calculate →What is the 4% safe withdrawal rule (SWR)?
The Trinity Study found that retirees who withdraw 4% of their portfolio annually (adjusted for inflation) historically had a very high success rate over 30-year retirements. Use our SWR Stress Test to see how your portfolio holds up.
Calculate →What is Coast FIRE?
Coast FIRE means you have enough invested today that — even without adding another dollar — compound growth will grow it to your full FIRE number by retirement age. Calculate yours instantly.
Calculate →How do covered calls generate income?
You sell someone the right to buy your shares at a fixed price (the strike) before a set date. They pay you a premium upfront regardless of outcome. If the stock stays below the strike, you keep your shares and the premium. Our estimator shows your annualised yield.
Calculate →Should I choose Roth or Traditional IRA?
If your retirement tax rate will be higher than today's, Roth wins. If lower, Traditional wins. Use the Roth vs Traditional calculator to model your specific numbers.
Calculate →When should I pay off debt vs invest?
If your debt interest rate exceeds your after-tax investment return, pay the debt first. If your expected investment return is higher, invest. The answer also changes based on your tax rate and risk tolerance.
Calculate →How much do investment fees really cost?
A 1% fee on a $500K portfolio compounding at 7% for 30 years costs over $430,000 in foregone wealth. Our fee impact calculator makes this concrete.
Calculate →What dividend yield should I target for income investing?
Most sustainable dividend portfolios target 3–5% yield. Higher yields often signal dividend cuts. Use the Dividend Income Projection to model what different yields produce over time.
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