Working tools
Financial & Wealth Calculators
Model growth, size your reserve, and estimate a debt payoff timeline — every formula and assumption is stated below the tool.
Compound Interest / Growth Engine
Projects a future balance from a starting amount plus recurring monthly contributions, compounded monthly.
Calculation notes
How each tool computes its estimate
Growth Engine
Applies your annual return as a monthly rate, compounding the balance each month and adding your contribution after interest is applied.
Emergency Reserve
Multiplies essential monthly expenses by the number of months of coverage you want. It does not include discretionary spending.
Debt Payoff
Recalculates the balance month by month, applying interest before each payment, until the balance reaches zero.
After the numbers
Put the results into a monthly plan
Once you have a growth projection, a reserve target, or a payoff date, map those figures onto your income split so the contribution actually shows up each month.
- 01Lock a reserve target, then fund it before extra investing.
- 02Route leftover cash to the highest-rate balance in the payoff tool.
- 03Set a recurring contribution that matches the growth engine input.