Clarity tools for the conversations that matter — college, protection, growth, debt.
Educational tool only.
These calculators are not financial, tax, investment, or insurance advice. Results are estimates based on your inputs and simplified assumptions. You stay in control of every decision.
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College Plan
Estimate future college costs, what your savings may grow to, and any funding gap — then see a suggested monthly contribution to close it.
Assumptions & formulas
Years until college = start age − current age (must be ≥ 0).
Future cost year k = current annual cost × (1 + inflation)^(yearsUntil + k), for k = 0…yearsInCollege−1. Total = sum of those years.
Savings at start: FV of current savings + FV of monthly contributions at expected return (monthly compounding): FV = P(1+r/12)^n + PMT × [((1+r/12)^n − 1) / (r/12)].
Suggested monthly to close gap solves the same FV formula for PMT when target = future total cost.
Illustrative only — actual tuition, aid, and returns vary.
Term Life Needs
A rough needs analysis to frame a conversation about how much term coverage might replace income and cover obligations — not a product recommendation.
Underwriting, health, and a licensed agent determine real products and amounts. This is a conversation starter, not a quote.
Suggested coverage rounded up to nearest $25,000 (minimum $0).
No inflation adjustment on income stream; no present-value discounting — intentionally simple.
Income Replace
If income stops (death or retirement), how much capital might be needed so withdrawals or dividends can replace monthly cash flow? Illustrative estimates only.
Capital needed ≈ annual income ÷ withdrawal rate. Accumulation uses monthly compounding. Markets, fees, taxes, and sequence of returns can change outcomes dramatically.
Assumptions & formulas
Capital required at withdrawal start = (monthly income × 12) / (withdrawal rate).
Gap = capital required − projected FV. Time-to-goal solves for n given current plan (when years until needed = 0, shows status now).
Comparison table: same contributions/lump at 8%, 10%, and 12% growth over your accumulation years.
Rule of 72
A quick mental math shortcut: years to roughly double money ≈ 72 ÷ annual rate. Optional continuous approximation (Rule of 69.3 / 70) included for context.
Assumptions & formulas
Rule of 72: years to double ≈ 72 / rate%.
Rule of 69.3 (continuous compounding approx): years ≈ 69.3 / rate%. Sometimes taught as Rule of 70 for simplicity.
Exact annual compounding: years = ln(2) / ln(1 + r).
Doubling table applies (1+r)^period to starting amount for successive doubles.
Debt Snowball
Pay minimums on everything; put extra toward the smallest balance first. When one is gone, roll that payment to the next. Optional one-line avalanche contrast included.
Assumptions & formulas
Each month: interest = balance × (APR/12); payment applied after interest; order by smallest balance (snowball) or highest APR (avalanche contrast).
Minimums paid on all debts; extra + freed minimums roll to the target debt.
Simulation capped at 600 months (~50 years). If not debt-free by then, a warning is shown.
Unlock unlimited Money Tools for $29.99 (one-time) — college, life, income replace, Rule of 72, debt snowball. You’re in control; browse inputs anytime, and unlock when you’re ready.