Free Tools

Financial Calculators
Built for Real People

No jargon, no paywalls — just honest tools that help you understand where you stand and what your decisions actually cost you.

Mortgage & Home

Mortgage + MI Calculators

Compare FHA, VA, and Conventional loans side by side. See real monthly payments, mortgage insurance costs, and breakeven points — powered by live Freddie Mac rates.

FHA vs VA vs Conventional Live Rates MI Breakeven

Open Calculator

Retirement

Retirement Gap Calculator

Find out if you're on track for retirement. Enter your age, savings, income needs, and Social Security estimate — get a clear verdict: on track, close, at risk, or critical.

4 Verdict System Social Security Gap Analysis

Inflation

Inflation Impact Calculator

See exactly how inflation is eating your purchasing power. Compare what $1,000 buys today vs. what it will buy in 10, 20, or 30 years at different inflation rates.

Purchasing Power Future Value Scenario Comparison

Run the Numbers

Bitcoin

Bitcoin vs. Down Payment

What if you had put your down payment into Bitcoin instead — and then sold at the top? Run real historical DCA scenarios and lump-sum buys to see what each strategy returned.

DCA Scenarios Historical Data Buy the Bottom

Run Bitcoin Scenarios

Full Financial Picture

My Financial Picture

Answer 5 questions about your age, savings, home equity, Bitcoin, and concerns — get a personalized AI-generated financial analysis covering your retirement outlook, real estate strategy, inflation exposure, and a custom action plan. Built for people who want real clarity, not generic advice.

Retirement Analysis Home Equity Strategy Bitcoin Assessment Custom Action Plan

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one-time report

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Book a 1-on-1 session and get personalized financial strategy — not generic advice from a calculator, but real answers for your specific situation.

Book a Session with Tim — $250