Make better money decisions, one simulation at a time.
Free financial simulators you can trust. Your data stays in your browser, always.
What are you thinking about?
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Should I buy it or keep paying monthly?
See the real cost of owning vs. subscribing, including what your money could earn elsewhere.
How much will my money really grow?
Compound interest with inflation adjustment — see the real return, not the nominal one.
Is it better to rent or buy a home?
Compare the full financial picture, not just the monthly payment.
Can I actually retire early?
Simulate thousands of possible futures to see how likely you are to reach financial freedom.
Browse by dimension 132 tools →
💰
Financial Tools
37 simulators
"Will I have enough?"
🧠
Career & Psychology
14 simulators
"Am I on the right path?"
💪
Health & Habits
10 simulators
"What will this habit cost me?"
⏰
Time & Productivity
12 simulators
"What is my time really worth?"
📚
Learning & Skills
6 simulators
"Is this worth learning?"
🏠
Housing & Property
10 simulators
"Is this the right place to live?"
👨👩👧
Family & Life Events
8 simulators
"Am I prepared for the big moments?"
🌱
Sustainability & Green Living
5 simulators
"Is my lifestyle hurting the planet?"
🚀
Entrepreneurship
15 simulators
"Is working for myself viable?"
🚗
Transportation & Vehicles
5 simulators
"What is my car really costing me?"
📈
Investing & Wealth Building
10 simulators
"Is my money working hard enough?"
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More tools
💰 How much do I need to retire?
Calculate your target number based on your lifestyle.
🔥 What's my real inflation rate?
Build your personal spending basket. Your inflation is not the CPI.
💸 Pay off debt faster or invest?
See which strategy puts you ahead over time.
💡 What would this cost if invested?
See the hidden cost of every spending decision.
📊 Invest all now or spread it out?
Monte Carlo: lump sum vs DCA win rates.
🏃 Is exercise worth the money?
Healthcare savings vs gym costs over 10 years.
⏱️ What's my real hourly rate?
Your true pay after commute, prep, and expenses.
🎯 Is learning this skill worth it?
Time + money invested vs salary increase.
👶 How much to raise a child?
From birth to 18 — the full cost breakdown.
Is this stock fairly priced?
Just enter the stock price and earnings — the toolbox figures out which methods you can use.
The more you fill in, the more methods light up:
P/E Graham P/B Dividend PEG P/S DDM FCF Yield DCF EV/EBITDA P/E River
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