Pro Tools · 1 of 22
Tax Bracket Optimizer
See exactly how close you are to the next bracket, how much more income you can earn at your current rate, and your optimal Roth conversion amount.
$
$
$0 = use standard
$
Tax Analysis
Marginal Bracket
—
Effective Tax Rate
—
Federal Tax Owed
—
Room in Current Bracket
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Pro Tools · 2 of 22
Social Security Optimization
Compare claiming at 62, 67 (full retirement age), or 70. Find your break-even age and lifetime benefit under each strategy.
$
Find this on your Social Security statement at ssa.gov
%
%
Claiming Strategy Comparison
Claim at 62 (monthly)
—
Lifetime: —
Claim at FRA (monthly)
—
Lifetime: —
Claim at 70 (monthly)
—
Lifetime: —
Break-Even Age (62→FRA)
—
Break-Even Age (FRA→70)
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Optimal Strategy
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Pro Tools · 3 of 22
FIRE Calculator
Financial Independence, Retire Early. Compare Lean FIRE, Regular FIRE, and Fat FIRE targets based on your savings rate and expenses.
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$
$
%
%
$
$
FIRE Analysis
☕ Lean FIRE
—
— years away
🏡 Regular FIRE
—
— years away
🥂 Fat FIRE
—
— years away
Annual Savings
—
Savings Rate
—
Coast FIRE Number
—
FIRE Progress
—
Pro Tools · 4 of 22
Life Insurance Needs Calculator
Use the DIME method (Debt, Income, Mortgage, Education) to calculate exactly how much life insurance coverage your family needs.
Income Replacement
$
Debts to Pay Off
$
$
Future Obligations
$
$
Existing Assets
$
$
%
Insurance Need Analysis
Total Coverage Needed
—
Income Replacement (PV)
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Debt Coverage
—
Education + Final Exp.
—
Pro Tools · 5 of 22
College Savings Calculator (529)
Project total tuition costs with inflation, calculate required monthly contributions, and model 529 growth against actual college costs.
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%
%
$
%
529 Plan Analysis
Projected Total Cost
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Monthly Contribution
—
Annual State Tax Savings
—
Years Until College
—
Business · 6 of 22
Quarterly Estimated Tax Calculator
Self-employed, freelancer, or investor? Calculate your quarterly estimated tax payments to avoid penalties and underpayment.
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$
$
%
$
Quarterly Tax Schedule
Total Annual Tax
—
Self-Employment Tax
—
Federal Income Tax
—
State Tax
—
Payment Schedule
| Quarter | Due Date | Payment | Safe Harbor |
|---|
Business · 7 of 22
Business Valuation Calculator
Estimate business value using three methods: revenue multiple, EBITDA multiple, and Discounted Cash Flow (DCF). See the range and average.
$
$
x
x
$
%
%
years
Valuation Summary
Revenue Multiple Method
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EBITDA Multiple Method
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DCF Method
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Average Valuation
—
Valuation Range
—
low — high
Price/Earnings Ratio
—
Business · 8 of 22
Break-Even Analysis
Find the exact unit volume and revenue at which your business breaks even, plus margin of safety and target profit analysis.
$
$
$
$
Break-Even Analysis
Break-Even Units
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Break-Even Revenue
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Contribution Margin
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CM Ratio
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Current Monthly Profit
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Units for Target Profit
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Margin of Safety
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Operating Leverage
—
Business · 9 of 22
Payroll Tax Calculator
Compare the true cost of hiring a W-2 employee vs. a 1099 contractor, and model the S-Corp salary optimization strategy for self-employed income.
$
W-2 Employee
%
%
S-Corp Optimization
$
IRS requires reasonable compensation before distributions
Tax Structure Comparison
📋 Sole Prop / 1099
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After-tax take-home
🏢 S-Corporation
—
After-tax take-home
SE Tax (1099)
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SE Tax (S-Corp)
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S-Corp Tax Savings
—
Real Estate · 10 of 22
House vs. Rent Comparison
The true cost of buying includes opportunity cost of down payment, maintenance, taxes, and transaction costs. Find your break-even horizon.
Buying
$
$
%
%
%
%
$
Renting
$
%
%
years
Buy vs. Rent Analysis
🏠 Buying
—
Net position after period
🏢 Renting
—
Investment portfolio value
Break-Even Year
—
Monthly Mortgage (P&I)
—
True Monthly Cost to Own
—
Real Estate · 11 of 22
BRRRR Strategy Calculator
Buy, Rehab, Rent, Refinance, Repeat. Model the full BRRRR cycle to see how much capital you can recycle into the next deal.
Buy & Rehab
$
$
$
$
After Repair Value & Rent
$
$
Refinance
%
%
years
$
BRRRR Deal Analysis
Total Capital Invested
—
Refinance Proceeds
—
Capital Recycled
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Capital Left in Deal
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Monthly Cash Flow
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Cash-on-Cash Return
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Equity Created
—
Refinance Monthly Pmt
—
Real Estate · 12 of 22
1031 Exchange Calculator
A 1031 exchange defers capital gains tax when selling investment property. See your tax deferral, boot exposure, and replacement property requirements.
Relinquished Property (Selling)
$
$
$
$
%
%
Replacement Property (Buying)
$
$
1031 Exchange Analysis
Tax Deferred
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Capital Gain
—
Net Equity (Proceeds)
—
Boot (Taxable Amount)
—
Min. Replacement Value
—
Min. New Debt Required
—
Real Estate · 13 of 22
Fix & Flip Profit Calculator
Model a complete fix-and-flip project including acquisition, rehab, holding costs, financing, and selling expenses to determine your net profit.
Acquisition
$
$
$
Rehab
$
%
Holding & Financing
$
%
months
$
Selling
%
$
Flip Analysis
Net Profit
—
Total Project Cost
—
ROI on Investment
—
Annualized ROI
—
70% ARV Rule Check
—
Max Allowable Offer
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Portfolio & Tax · 14 of 22
Tax-Loss Harvesting Calculator
Realize investment losses to offset capital gains and reduce your tax bill, while maintaining market exposure through similar (but not identical) assets.
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$
$
%
%
%
%
Tax-Loss Harvest Analysis
Harvestable Loss
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Tax Savings This Year
—
Deferred Tax Liability
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Net Present Benefit
—
Portfolio & Tax · 15 of 22
Asset Location Optimizer
Holding the right assets in the right accounts can save thousands in taxes annually. See which assets belong in taxable vs. tax-advantaged accounts.
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$
$
Target Allocation
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%
%
%
%
%
Asset Location Recommendations
Portfolio & Tax · 16 of 22
Dividend Reinvestment (DRIP) Calculator
Model how automatic dividend reinvestment accelerates wealth through additional compounding — the dividend snowball effect.
$
$
%
%
%
$
years
DRIP Summary
Portfolio Value
—
Total Shares
Annual Dividend Income
—
Total Dividends Reinvested
—
Total Invested (cash)
—
DRIP Bonus vs. No Reinvest
—
Year-by-Year Growth
| Year | Shares | Share Price | Portfolio Value | Annual Dividends |
|---|
Portfolio & Tax · 17 of 22
Options Pricing (Black-Scholes)
Price European call and put options using the Black-Scholes model. Includes all Greeks: Delta, Gamma, Theta, Vega, and Rho.
$
$
days
%
%
Black-Scholes Output
📈 Call Option
—
theoretical price
📉 Put Option
—
theoretical price
Option Greeks
Call Delta
—
Put Delta: —
Gamma (both)
—
Theta (call/day)
—
Vega (per 1% IV)
—
Life Planning · 18 of 22
Salary Negotiation Calculator
See the true lifetime financial impact of negotiating a higher salary — including compounding raises, retirement contributions, and benefits value.
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$
%
%
%
%
Negotiation Impact
Lifetime Earnings Difference
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After-Tax Lifetime Gain
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Additional 401k at Retirement
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Monthly Take-Home Gain
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10-Year Cumulative Gain
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Hourly Rate Increase
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Life Planning · 19 of 22
Buy vs. Lease (Car) Calculator
Compare the true total cost of buying vs. leasing over 5 years, accounting for depreciation, financing, opportunity cost, and residual value.
Vehicle Details
$
%
Buy Option
$
%
months
Lease Option
$
months
$
$
Opportunity Cost
years
%
Buy vs. Lease Comparison
🔑 Buying
—
Total 5-yr cost (net of resale)
📋 Leasing
—
Total 5-yr cost (no asset)
Buy Monthly Payment
—
Residual Value (buy)
—
Total Lease Cost
—
Life Planning · 20 of 22
Debt Consolidation Analyzer
Should you consolidate your debts into a single lower-rate loan? Compare your current situation against consolidation and find the break-even point.
Current Debts
$
%
$
%
$
%
Consolidation Loan
%
months
%
Consolidation Analysis
Current Debts
—
Total interest paid
Consolidation Loan
—
Total interest paid
Total Debt
—
Weighted Avg Rate
—
Interest Saved
—
New Monthly Payment
—
Life Planning · 21 of 22
HSA Maximizer
The HSA is the only account with triple tax advantages. Model how investing your HSA (vs. spending it) builds a powerful healthcare nest egg.
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$
$
%
%
HSA Analysis
HSA Balance at 65 (invested)
—
vs. Spending on Medical
—
Benefit of Investing HSA
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Annual Tax Savings
—
Total Tax Savings (lifetime)
—
Effective After-Tax Return
—
Life Planning · 22 of 22
Net Worth Milestone Tracker
Track your progress toward key wealth milestones ($100K, $250K, $500K, $1M, $2M) and project when you'll hit each one.
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$
%
%
Milestone Progress
Next Milestone
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Years to $1M
—
Net Worth in 10 Years
—
Milestone Timeline
| Year | Net Worth | Annual Addition | Growth |
|---|