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.

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Mortgage Calculator

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

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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.

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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.

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Future Value Calculator

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

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Savings Goal Calculator

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

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CD Calculator

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

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RMD Calculator

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

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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.

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Retirement Timeline

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

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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

27 reports

AI Infrastructure Screener — Where Is It Actually Cheap?

6 categories × 6 stocks: Chips, Hyperscalers, Networking, Memory & Storage, Data Center REITs, Power & Grid. 36 stocks, $21.9T combined market cap, sortable by PE, market cap, price, and 4 quarters of revenue with QoQ growth.

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Alphabet (GOOG) — 13F Portfolio Deep-Dive

Alphabet's $4.02B umbrella 13F across 5 sub-managers. Q1 2026 headline: brand-new $1.03B CME Group stake vaults to #1. Off-13F Anthropic (~$68B) + SpaceX (~$21B) dwarf the 13F at $101.3B non-marketable equity.

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Growth Momentum Dashboard — Russell 3000

Top 3-month, 6-month, and 1-year price-momentum stocks from the Russell 3000, organized by AI stack layer (Compute, Networking, Power, Cloud/Infra) and non-AI category (Biotech/Health, Space & Defense, Other). Data as of Jul 10, 2026.

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Top 20 Politicians — Top 10 Disclosed Stock Holdings

20 sitting members of Congress ranked by disclosed net worth, each with their 10 largest reported stock holdings. Sourced from STOCK Act filings (PTRs + annual FDRs), compiled July 2026.

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AAPL Equity Snapshot — July 2026

Apple at $308.63 (Jul 6, 2026): Q2 FY2026 revenue $111.2B (+17% YoY) on an iPhone 17 super-cycle and Services at an all-time high — trading at ~37× earnings on a $4.5T market cap. Priced for perfection, propped by AI narrative.

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Berkshire Hathaway — 5-Quarter Portfolio Report

Berkshire's 13F across Q1 2025 → Q1 2026. Big 5 (AAPL, AXP, BAC, KO, CVX) still anchor ~75% of the book; 16 positions sold out in Q1 2026 alone. Alphabet quadrupled, Delta initiated, NYT tripled — first real reshape under Greg Abel.

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META Equity Snapshot — Q1 2026

Meta at $630.26 (Jul 9, 2026): Q1 2026 revenue $56.3B (+33% YoY), 41% op margin, $125–145B raised CapEx guide, Reality Labs still losing ~$4B/quarter, ~17× forward earnings on the highest-margin mega-cap tech business.

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NVDA Equity Snapshot — July 2026 (Q1 FY27)

NVIDIA at $202.78 (Jul 10, 2026): Q1 FY27 revenue $81.6B (+85% YoY), Data Center 92% of the business, 75% non-GAAP gross margin, $48.6B FCF in a single quarter, 31× P/E now 41% below 10-year median.

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NVIDIA 13F Portfolio — Q1 2026 (Teardown No. 04)

NVIDIA's 13F through the Q1 2026 cutoff: seven positions worth $18.37B (+40% QoQ), led by a $9.48B Intel stake (51.6% of book). The off-13F shadow book of non-marketable equity and structured deals hit $22.3B.

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SPCX (SpaceX) Equity Snapshot — Post-IPO

SpaceX at $160.42 (Jul 7, 2026, four weeks after IPO): three businesses stapled together — Starlink cash engine ($11.4B / 39% op-margin), Space launch (Starship-driven loss), and AI (xAI + X, $6.4B FY25 op loss). Consensus PT $238, dispersion $115–$800.

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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.

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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.

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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.

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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.

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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.

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Apple Revenue Dashboard

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

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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.

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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.

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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.

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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.

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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.

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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.

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Global Investing Guide

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

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High-Earner Playbook

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

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Tax Strategy Annual Review

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

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Equity Comp Decoder

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

Coming soon