Free Resources

Reports that help you understand, tools that help you decide.

Every resource here is free. Use the calculators to model your specific situation. Use the reports to ground your decisions in current data.

Calculators

14 tools

Compound Interest

See exactly how much your money grows over decades with different rates, contributions, and timelines.

Interactive

Tax Savings Calculator

See how much you'd save in 2025 by maxing your HSA, 401(k), Mega Backdoor Roth, FSA, and IRA — based on your income, filing status, and state.

Interactive

Mortgage Calculator

Estimate your full monthly payment — PI + property tax + insurance + PMI + HOA — plus total interest over 15 or 30 years.

Interactive

Car Loan Calculator

Estimate your monthly auto payment, total interest, and the true cost of a vehicle — plus the opportunity cost of every dollar you send to the lender.

Interactive

Credit Card Payoff

Calculate months to debt-free and total interest cost — or reverse it: pick a payoff date and see what monthly payment gets you there.

Interactive

Future Value Calculator

Project the future value of an investment from a starting amount, monthly contributions, expected return, and time horizon.

Interactive

Savings Goal Calculator

Work backward from a goal to find the required monthly contribution. Set the target, see what monthly amount gets you there.

Interactive

CD Calculator

Calculate the maturity value and total interest of a Certificate of Deposit from deposit, APY, term, and compounding frequency.

Interactive

RMD Calculator

Calculate your Required Minimum Distribution from traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.

Interactive

Net Worth Calculator

Track your full household balance sheet — assets, liabilities, equity, and trajectory over time.

Coming soon

Tax Alpha Estimator

Quantify the long-term value of tax-loss harvesting, asset location, and tax-advantaged account stacking.

Coming soon

Retirement Timeline

Map your path to financial independence — adjust contributions, returns, and target age in real time.

Coming soon

Equity Comp Optimizer

Model RSU vesting, ISO exercises, and 83(b) elections to maximize your after-tax outcomes.

Coming soon

Real Estate vs. Rent

A real apples-to-apples comparison that includes opportunity cost, taxes, and maintenance — not just the mortgage.

Coming soon

Reports

17 reports

83(b) Election — Quickstart Guide

30 days. One letter (or IRS Form 15620). When the §83(b) election applies, the math behind six-figure savings on early-exercised options and founder stock, the 5-step filing playbook, and a copy-paste letter template.

Play Around

The Bond Cycle — New vs Old

Interactive bond-pricing graphic — how a $1,000 / 5% / 10-year bond reprices to $1,170.60 in a recession and $859.53 when the economy heats up. The primary-vs-secondary-market mechanic made concrete.

Play Around

The Hidden Cost of Fees

Interactive lifetime fee analysis. Drag the dials — initial, annual contribution, time horizon, gross return — and watch a 0.05% index fund pull away from a 1% actively-managed fund in real time.

Play Around

Don't Skip Your ESPP

NVDA case study, 24-month lookback. Calendar-year 2025 contributions of ~$21K delivered ~$73K of realized gain — the canonical "why lookback matters" example for high earners.

Play Around

Claude Finance Agents Quickstart Guide

A practical guide to AI-assisted investing skills for retail investors — how to use Claude (and other LLMs) to research, screen, and pressure-test your own positions.

Play Around

Claude Financial Agents — Full Guide

Install Claude’s financial agent skills (Earnings Reviewer, Market Researcher, Meeting Prep Agent), then run a structured pre-buy investment analysis. Complete walkthrough with copy-paste prompt.

Play Around

What NVIDIA is holding

A breakdown of NVIDIA’s corporate equity portfolio across four 13F filings — from $1.15B of scattered AI-adjacent bets to $18.4B of concentrated infrastructure-stack positions in four quarters.

Play Around

AI Infrastructure Stack — Where the Momentum Is

Ten layers of the AI buildout, seven representative public names per layer, ranked by verified 12-month price return. The picks-and-shovels map.

Play Around

Apple Revenue Dashboard

Interactive Apple Inc. revenue dashboard — segment, geography, and trend breakdowns from the latest quarterly print.

Play Around

AAPL Risk Report — April 2026

A long-only PM 12-month risk report on Apple following the Q2 FY26 print: composite 68/100 → Buy. Pillar scoring, catalysts vs risks, rating triggers, full sources.

Play Around

Iran Conflict — S&P 500 Sector Impact

Window: 27 Feb 2026 → 16 Apr 2026. Headline +2.4%, peak drawdown −8.2%, ~27 pts of sector dispersion. 11 sectors deep-dived plus a resolution thesis.

Play Around

2026 Income Benchmarks

Where high earners stand by age, role, and region — so you know whether you’re ahead, on track, or behind.

Coming soon

AI & Net Worth Report

How AI is reshaping salaries, equity, and household wealth-building over the next decade.

Coming soon

Global Investing Guide

A clear-eyed framework for international diversification, currency exposure, and geopolitical risk.

Coming soon

High-Earner Playbook

The ten financial moves every high-income household should make before age 40 — in priority order.

Coming soon

Tax Strategy Annual Review

A year-end checklist for high earners — what to harvest, what to convert, what to contribute, and when.

Coming soon

Equity Comp Decoder

How to read RSU grants, ISO offers, and equity refreshers — and what each is actually worth to your household.

Coming soon