The future is not linear
Probability-based tools for personal finance
Planning your financial future using average returns results in a single line extending out into eternity — this hides the fact that the future is a lot messier than that — personal risk tolerance changes, spending needs change, life happens. Making the smartest possible decisions means taking into account a myriad of financial and non-financial variables. Your future depends on this information — why not use it in planning?
Calculators
529 Calculator
Determine how much to contribute to a 529 plan with probabilistic college cost modeling.
FIRE Calculator
Calculate your path to Financial Independence with Monte Carlo simulations.
CoastFIRE Calculator
Find when you can stop saving and coast to retirement.
Mini Retirement Calculator
Plan your career break by calculating how much to save for a mini retirement.