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206 free simulators to help you make better life decisions.

💰 Financial Tools (41) 🧠 Career & Psychology (15) 💪 Health & Habits (11) ⏰ Time & Productivity (12) 📚 Learning & Skills (9) 🏠 Housing & Property (16) 👨‍👩‍👧 Family & Life Events (11) 🌱 Sustainability & Green Living (5) 🚀 Entrepreneurship (22) 🚗 Transportation & Vehicles (6) 📈 Investing & Wealth Building (12) 🛡️ Risk & Resilience (12) 🧓 Retirement & Aging (13) 💳 Debt & Credit (12) ❤️ Relationships & Money (14) 🎓 Education & Student Debt (14) 🧾 Tax Strategy (17) 🌐 Digital Spending & Subscriptions (14) 🏛️ Estate Planning (14) 🫂 Caregiving & the Sandwich Generation (11)

💰 Financial Tools

41 tools →

"Will I have enough?"

🤔
Buy vs. Subscribe
Compare the true cost of buying outright vs. recurring payments.
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Compound Interest
Visualize real returns after inflation.
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Rent vs. Buy
Full financial picture of renting vs. homeownership.
→ ☀️
FIRE Calculator
Monte Carlo simulation of your path to financial independence.
→ 🔥
Personal Inflation
Build your spending basket and discover your real inflation rate.
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Loan Payoff
Pay off debt faster or invest the extra?
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Opportunity Cost
What would this money be worth if invested instead?
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DCA vs Lump Sum
Invest all now or spread it out? Monte Carlo simulation.
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Value Averaging vs DCA
Edleson's Value Averaging on 5 market regimes — terminal, IRR, and the cash drag VA quietly demands.
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Dividend Income
How much monthly income can you build from dividends?
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DRIP vs Cash Dividends
Reinvest dividends for the snowball, or take them as income? See the wealth gap.
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Salary Impact
How much is a small raise really worth over a career?
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Tech TC Breakdown
Software engineer total comp: base + bonus + RSU + 401(k) + ESPP, COL-adjusted across cities.
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RSU Vesting + Cliff Trap
How equity grants pay out under cliff + vest schedules. What you forfeit if you leave year 1.
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ISO Exercise + AMT
The phantom tax bill on ISO exercise — see your AMT, total cash needed, and break-even sale price.
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Promo vs Job Hop
5-year TC under both paths, probability-weighted, with new-job cliff penalty modeled honestly.
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Stock Valuation
Is this stock fairly priced? 11 valuation methods.
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Net Worth
Assets minus debts — your financial snapshot in one number.
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Savings Goal
When will you hit your savings target with compound growth?
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Mortgage Calculator
Monthly payment, total interest, and amortization breakdown.
→ 📋
Budget Calculator
The 50/30/20 rule — customized for your income.
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Emergency Fund
How big should your emergency fund really be? Risk-scored — 3, 6, 9, or 12 months based on your specific situation.
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Investment Fee Drag
What fund expense ratios actually cost you. The compounding 1% that eats 25-30% of your terminal wealth over 30 years.
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Roth vs Traditional
Apples-to-apples after-tax comparison: Roth vs Trad + side taxable. See how marginal-rate differential actually decides the winner.
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HSA Optimizer
Triple-tax-advantage math: spend, stealth-Roth invest, or skip HSA — which actually wins on your numbers?
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Life Insurance Needs
How much coverage does your family actually need?
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Insurance IRR
What's the real return on your insurance policy?
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Renovation ROI
Will this renovation increase property value enough to justify the cost?
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Utility Savings
Will energy-efficient upgrades pay for themselves?
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Solar ROI
Is installing solar panels worth it?
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Car Ownership
Buy, lease, or take public transit — which saves the most?
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EV vs Gas
Is an electric car actually cheaper than gas over time?
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Used Car Cost
The true cost of owning a used car, including repairs and depreciation.
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Freelancer Rate
What hourly rate do you need to charge to hit your income goal?
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Startup Cost
How much runway do you need before launching a business?
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Side Hustle Income
What can you realistically earn from a side hustle after costs and taxes?
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Debt Payoff Strategy
Avalanche vs. Snowball vs. Minimum-Only — see which strategy saves the most interest and how it compares to investing instead.
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Retirement Withdrawal Calculator
How long will your savings last? Model withdrawals, inflation, and safe withdrawal rate.
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401(k) Tax Savings Simulator
Pre-tax retirement contribution this year + the compounded retirement balance — both timescales at once. Shows the surprisingly small paycheck hit after the IRS rebates your marginal rate.
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Tax Refund Opportunity Cost
Your refund is a 0% loan to the government. See what those withholdings would have grown to if invested instead.
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Cash Yield After Tax
Savings account, T-bill or muni: which leaves you the most after federal and state tax?
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🧠 Career & Psychology

15 tools →

"Am I on the right path?"

🧭
Career Aptitude (RIASEC)
30-question assessment to find your career fit.
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Stress Cost
How much is chronic stress actually costing you?
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Meeting Cost
The true cost of that recurring meeting in time and money.
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Screen Time Cost
What is your screen time really costing you in lost hours?
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Social Media Time
How much life are you scrolling away each year?
→ ⏳
Procrastination Cost
What does delaying 1 year cost you in compound growth?
→ ⚖️
Job Offer Comparison
Compare two job offers: total comp, commute cost, equity, and 5-year wealth impact.
→ 💻
Tech TC Breakdown
Software engineer total comp: base + bonus + RSU + 401(k) + ESPP, COL-adjusted across cities.
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RSU Vesting + Cliff Trap
How equity grants pay out under cliff + vest schedules. What you forfeit if you leave year 1.
→ 📜
ISO Exercise + AMT
The phantom tax bill on ISO exercise — see your AMT, total cash needed, and break-even sale price.
→ 🚀
Promo vs Job Hop
5-year TC under both paths, probability-weighted, with new-job cliff penalty modeled honestly.
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Career Switch Runway
Quit, retrain, start lower: do your savings last, and when does the new career really catch up?
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Decision Detox
Rank your options through pairwise comparison — cut through indecision one A-vs-B at a time.
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Social Energy Battery
Map your week's events and predict when your social energy hits the danger zone.
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Regret Simulator
Compare action vs. inaction regret across 1, 5, and 10-year horizons. Fear fades. Regret grows.
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🏠 Housing & Property

16 tools →

"Is this the right place to live?"

🏠
Rent vs. Buy
Full financial picture of renting vs. homeownership.
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Mortgage Calculator
Monthly payment, total interest, and amortization breakdown.
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Renovation ROI
Will this renovation increase property value enough to justify the cost?
→ ☀️
Solar ROI
Is installing solar panels worth it?
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Utility Savings
Will energy-efficient upgrades pay for themselves?
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Moving Cost
True relocation cost and break-even timeline when moving to a cheaper area.
→ 🏘️
Rental Property ROI
Full investment model: NOI, cash-on-cash, IRR, vacancy, and tax impact over your holding period.
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Fix & Flip ROI
Model fix-and-flip profit: renovation, loan interest, capital gains tax, and break-even sale price.
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Airbnb vs. Long-Term Rental
Compare short-term vs long-term rental profit after platform fees, taxes, and occupancy reality.
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Home Trade-Up Calculator
Plan your move up: net sale proceeds, new mortgage, cash requirements, and max home price.
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HELOC vs Cash-Out Refi
Don't reset a cheap locked-in rate to tap a small amount of equity — compare both paths honestly.
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Mortgage Points Buydown
Paying upfront to lower your rate only pays off if you keep the loan past the exact breakeven month.
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PMI Removal
Overpay to kill PMI faster, or invest that money instead? See the exact breakeven.
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1031 Exchange Tax Deferral
A like-kind exchange defers capital gains and depreciation recapture tax — see what the deferred money is worth kept invested.
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Bridge Loan Cost
Buy before you sell — compare a bridge loan's real cost against a flat-fee fintech alternative.
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Property Management vs Self-Manage
An 8-12% management fee only makes sense above your own break-even hourly rate. See where you land.
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🚀 Entrepreneurship

22 tools →

"Is working for myself viable?"

💼
Freelancer Rate
What hourly rate do you need to charge to hit your income goal?
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Startup Cost
How much runway do you need before launching a business?
→ ☁️
Cloud Bill Estimator
AWS/GCP/Azure cost estimate for solo dev / small team. The egress trap line included.
→ 📊
SaaS Metrics → Profitability
LTV, CAC, churn, payback — and the month MRR replaces your day-job take-home.
→ 💰
Founder Salary Sustainability
What's the safe salary your indie SaaS can pay you today, given MRR, margin, and tax reserve?
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S-Corp Election
Sole prop vs S-Corp — does the payroll-tax savings on your income clear the extra compliance cost?
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Startup Runway Simulator
Month-by-month cash burn vs revenue ramp — when does the money actually run out, or do you hit breakeven first?
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Co-Founder Equity Split
A transparent, weighted formula for splitting equity by idea, time, capital, and experience — not a coin flip.
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Contractor vs Employee Cost
An $80K salary can cost $110K fully loaded — compare it to a contractor's quoted rate honestly.
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Equity Dilution Simulator
Model your ownership through seed, Series A, and Series B — a 100% stake can shrink to 65% before any option-pool refresh.
→ 🆓
Freemium Conversion Economics
Does your free tier pay for itself? Find the exact conversion rate where free-tier cost breaks even.
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Small Business Valuation
Revenue multiple, EBITDA multiple, and DCF, side by side — so you see where they agree and where they don't.
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Side Hustle Income
What can you realistically earn from a side hustle after costs and taxes?
→ ⏱️
Real Hourly Rate
Your true pay after commute, prep time, and work expenses.
→ ⏳
Procrastination Cost
What does delaying 1 year cost you in compound growth?
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Remote Work Savings
How much does working from home save you annually in commute, food, and reclaimed time?
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Geo-Arbitrage Calculator
Same salary, different city — savings rate boost + 10-year wealth gap from relocating.
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Remote Pay Cut Tradeoff
Company offers remote with -15% pay cut. Break-even cut % and 10y wealth impact.
→ 🛂
Digital Nomad Tax
US person abroad with FEIE + FTC + state-claim modeling. Honest tax-burden comparison.
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Sabbatical ROI
Honest cost of taking 6, 12, 18 months off — cash + foregone earnings + lifetime compound.
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Slow Travel vs Rent
Going abroad 3-12 months: keep empty, sublet, or break lease — cheapest option detected.
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FIRE Abroad
Retire in Lisbon/Mexico/Bangkok with 50%+ less savings — COL + healthcare adjusted SWR target.
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🛡️ Risk & Resilience

12 tools →

"What if something goes wrong?"

🛟
Emergency Fund
How big should your emergency fund really be? Risk-scored — 3, 6, 9, or 12 months based on your specific situation.
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Medical Event Cost Estimator
What would an ER visit, surgery, or hospital stay cost YOU given your plan's deductible / coinsurance / OOP max?
→ 🛡️
Life Insurance Needs
How much coverage does your family actually need?
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Health Insurance Comparison
Low premium vs high premium — which plan actually costs less for you?
→ 📜
Insurance IRR
What's the real return on your insurance policy?
→ ♿
Disability Income Gap
If you couldn't work for 6 months / 2 years, how long would savings + SSDI + LTD + spouse last?
→ ⚖️
Term vs Whole Life
Buy term and invest the difference, or pay for permanent cash-value coverage? See which wins over your own horizon.
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Deductible Optimizer
Raising your deductible saves premium — but only pays off below a specific claim frequency. Find your breakeven.
→ ✈️
Travel Insurance Value
Is that $150 policy worth it for your trip cost, cancellation risk, and medical-abroad exposure?
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Umbrella Insurance Value
Your liability limits cap out fast — see the exposure gap a $1M umbrella closes for pennies on the dollar.
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Homeowners Coinsurance Penalty
Insured below 80% of replacement cost? Even a partial loss gets paid out at a reduced percentage.
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COBRA vs Marketplace
COBRA's full premium + 2% fee vs a subsidized ACA plan — bridge a job-loss gap for less.
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🧓 Retirement & Aging

13 tools →

"Will my money outlast me?"

☀️
FIRE Calculator
Monte Carlo simulation of your path to financial independence.
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FIRE Path Comparator
Lean / Regular / Fat / Coast / Barista / Geo-Arb — see 6 paths to financial freedom side by side from one set of inputs.
→ 🏖️
Retirement Withdrawal Calculator
How long will your savings last? Model withdrawals, inflation, and safe withdrawal rate.
→ 🏛️
401(k) Tax Savings Simulator
Pre-tax retirement contribution this year + the compounded retirement balance — both timescales at once. Shows the surprisingly small paycheck hit after the IRS rebates your marginal rate.
→ 🏛️
Roth vs Traditional
Apples-to-apples after-tax comparison: Roth vs Trad + side taxable. See how marginal-rate differential actually decides the winner.
→ 🛡️
Life Insurance Needs
How much coverage does your family actually need?
→ 🇺🇸
Social Security Claim Age
62 vs FRA vs 70 — which age maximizes lifetime present value given your longevity assumption?
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Pension vs Lump Sum
Keep the guaranteed monthly pension, or take the buyout and invest it yourself? Present-value the decision.
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RMD Calculator
What will the IRS force you to withdraw from your traditional accounts starting at 73, and what will it cost in tax?
→ 🪣
Withdrawal Sequencing
Taxable, traditional, or Roth first? The draw-down order can save real tax dollars over a long retirement.
→ 👵
Social Security Spousal / Survivor
Up to 50% of a spouse's PIA, or up to 100% of a deceased spouse's benefit — see the early-claiming reduction on each.
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Medicare IRMAA Cliff
Cross a MAGI threshold by $1 and your entire Part B/D premium jumps tiers. See where your income lands.
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Reverse Mortgage vs Downsizing
Borrow against your home and stay, or sell, buy smaller, and invest the difference? Compare net worth at your horizon.
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💳 Debt & Credit

12 tools →

"Am I paying more than I have to?"

💳
Credit Card Payoff
Minimum payment vs a fixed monthly amount — see the years and thousands in interest the minimum-payment trap quietly costs.
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Balance Transfer
Does the 0% intro offer beat the 3-5% transfer fee? Break-even, plus whether you clear it before the rate jumps.
→ 🧮
Debt Consolidation
Does one loan beat your blended rate after the origination fee? Compared against the avalanche method.
→ 💳
Debt Payoff Strategy
Avalanche vs. Snowball vs. Minimum-Only — see which strategy saves the most interest and how it compares to investing instead.
→ 💸
Loan Payoff
Pay off debt faster or invest the extra?
→ 📊
Credit Utilization
How far to pay down before the statement closes to clear the 30% and 10% score thresholds.
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Mortgage Calculator
Monthly payment, total interest, and amortization breakdown.
→ 🔁
Mortgage Refinance
Break-even on closing costs from the lower payment — plus the lifetime-interest catch when you reset to a fresh 30-year term.
→ 🎓
Student Loan Refinance
Interest saved from a lower rate vs the federal protections (IDR, PSLF, forbearance) you permanently give up.
→ 🤝
Debt Settlement vs Full Payoff
The advertised settlement % skips the program fee and the tax on forgiven debt — see the real cost.
→ 🛍️
Buy Now Pay Later True Cost
A flat late fee on a 6-week Pay-in-4 plan is a high annualized rate in disguise. See the real number.
→ 🚗
Auto Repossession Deficiency
94% of repossessions leave a balance still owed — see how much less you'd owe selling proactively.
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❤️ Relationships & Money

14 tools →

"Love is free. The logistics aren't."

⚖️
Fair Expense Split
50/50 vs proportional-by-income — see the burden each split puts on each partner when incomes differ.
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Marriage Tax: Penalty or Bonus?
Does filing jointly raise or lower your federal tax? Equal earners are a wash; single-earner couples get a bonus.
→ 👩‍👧
The Second Income Trap
After childcare, commute, and the household marginal rate, what does the second paycheck actually net?
→ 🛋️
Cohabitation Savings
Two can live cheaper than one — what moving in together saves vs living apart, invested over 10 years.
→ 💔
Cost of Divorce
Beyond the asset split: legal fees plus the ongoing cost of running two households instead of one.
→ 📝
Prenup Cost-Benefit
Attorney cost vs the expected value of protecting premarital assets — an actual expected-value calculation.
→ ⚖️
Alimony Estimator
Illinois's actual guideline formula, run against your own incomes and marriage length.
→ 🏠
Debt Merger Impact
Does your partner's debt sink a joint mortgage? The combined back-end DTI math.
→ 👨‍👩‍👧
Child Support Guideline
$11,700 in monthly income caps Texas child support at $2,925/month for two kids.
→ 💎
Engagement Ring Cost
A $5,200 ring financed at 11.86% costs $6,647 once interest and insurance are counted.
→ 🏦
Marriage Roth IRA Cliff
Two individually Roth-eligible partners can lose $15,000/year in contribution room by marrying.
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Wedding Budget
Wedding cost breakdown + opportunity cost of that budget.
→ 👶
Child-Raising Cost
How much does it cost to raise a child from birth to 18?
→ 😰
Stress Cost
How much is chronic stress actually costing you?
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🎓 Education & Student Debt

14 tools →

"Will the degree pay off?"

🎓
Degree ROI
4-year tuition + 4 years foregone earnings vs the lifetime salary premium — and the year it breaks even.
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IDR Repayment
PAYE/IBR cap + balance trajectory + 20/25-yr forgiveness with the tax bomb honestly priced through 2025 brackets.
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PSLF Calculator
120 qualifying payments → tax-free forgiveness for public-service workers. Federal→private refi kills it — warning included.
→ ⚡
Bootcamp vs Degree
Short cost + fast payoff vs long cost + higher ceiling. Lifetime delta and the breakeven year — assumes you land the job.
→ 🎓
Grad School ROI
$80K + 2 years off vs the post-grad salary bump. Many master's barely pay back; top-tier programs do.
→ 👪
Parent PLUS vs Private Loan
9.07% + a 4.228% fee deducted from disbursement vs a private loan — the real gross-up cost gap.
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529-to-Roth Rollover
Unused 529 funds into the beneficiary's Roth IRA — a multi-year project capped at $35,000 lifetime.
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Student Loan Interest Deduction
Up to $2,500 deductible, phased out by MAGI — married filing separately never qualifies at all.
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Teacher Loan Forgiveness
5 years teaching at a low-income school can forgive $17,500 — can't be combined with the same PSLF years.
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529 Plan State Tax Deduction
New York's $10,000 deduction cap is a different number than the $38,000 gift tax limit.
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Student Loan Interest Capitalization
A 12-month deferment can permanently add $714 to your loan cost.
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Skill Investment ROI
Is learning this skill worth the time and money?
→ 📜
Certification Value
Is this certification worth getting?
→ 🎓
Student Loan Refinance
Interest saved from a lower rate vs the federal protections (IDR, PSLF, forbearance) you permanently give up.
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🧾 Tax Strategy

17 tools →

"Pay the right amount, not a dollar more"

🪜
Marginal vs Effective Tax
A $1k raise costs marginal-rate × $1k, never more — debunks the 'bracket bump' myth.
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Capital Gains Harvesting
0% LTCG bracket headroom for tax-gain harvesting + 1:1 loss offsets + $3k against ordinary income.
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Self-Employment Tax
The 15.3% SS+Medicare on top of income tax that hits new freelancers. SS wage-base cap + 0.9% additional Medicare.
→ 🪜
Roth Conversion Ladder
Fill low brackets in gap years — convert traditional → Roth when now-rate < expected later-rate.
→ 📅
Quarterly Estimated Tax
Safe harbor: 100% (or 110%) of last year's tax, split into four. Avoid the IRS underpayment penalty.
→ 🚪
Backdoor Roth IRA
The pro-rata rule that can tax 93%+ of a 'clean' conversion if you have an old rollover IRA sitting around.
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QBI Deduction (Section 199A)
20% off pass-through business income — until the W-2 wage limit and SSTB phase-out eat into it.
→ 👶
Kiddie Tax
A child's unearned income above $2,700 gets taxed at the PARENT's rate, not the child's.
→ 🌊
Net Investment Income Tax (NIIT)
The 3.8% surtax thresholds haven't moved since 2013 and aren't indexed for inflation. See where you land.
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Cash Yield After Tax
Savings account, T-bill or muni: which leaves you the most after federal and state tax?
→ 🧮
Standard vs Itemized Deduction
The 2026 SALT cap jumped to $40,400 — enough to flip many high-tax-state homeowners back to itemizing.
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Charitable Bunching Strategy
Concentrate years of giving into one to clear the standard deduction bar and capture real tax savings.
→ 🏛️
Roth vs Traditional
Apples-to-apples after-tax comparison: Roth vs Trad + side taxable. See how marginal-rate differential actually decides the winner.
→ 🏛️
401(k) Tax Savings Simulator
Pre-tax retirement contribution this year + the compounded retirement balance — both timescales at once. Shows the surprisingly small paycheck hit after the IRS rebates your marginal rate.
→ 🧾
Tax Refund Opportunity Cost
Your refund is a 0% loan to the government. See what those withholdings would have grown to if invested instead.
→ 📜
ISO Exercise + AMT
The phantom tax bill on ISO exercise — see your AMT, total cash needed, and break-even sale price.
→ 💑
Marriage Tax: Penalty or Bonus?
Does filing jointly raise or lower your federal tax? Equal earners are a wash; single-earner couples get a bonus.
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🌐 Digital Spending & Subscriptions

14 tools →

"The recurring charges no one reviews"

📊
Subscription Audit
Every recurring charge totalled — monthly, annual, and 30 years invested.
→ 📺
Streaming Stack vs Cable
Have you re-bundled without noticing? Compare your stack to cable benchmark.
→ ☁️
Cloud Storage Right-Sizing
Paying for 2TB to hold 200GB? Cost per used GB across iCloud + Google + Dropbox.
→ 📱
Device Upgrade Cycle ROI
Phone every 2 years vs every 4 — 10-year cost gap with resale value baked in.
→ 📈
Subscription Inflation Tracker
Where Netflix's price lands in 5 years, and the 'real' premium above CPI.
→ 👥
Shared Plan Split
Split a family plan 6 ways and save $9/month per person — the breakeven headcount for any shared tier.
→ 📅
Annual vs Monthly Billing
A 17% annual discount can still lose to monthly billing at a high enough opportunity-cost rate.
→ 📺
Ad-Tier Time Cost
The cheaper ad tier isn't free — value the ad minutes at your own hourly rate to find the real breakeven.
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Streaming Rotation Strategy
Subscribe only for the months you'd actually watch — a 5-service stack can save 60%+ a year.
→ 👥
Streaming Extra-Member Fee
Netflix and Disney+ now charge $7-10/month per extra member — is sharing still worth it?
→ 🫥
Forgotten Subscription Cost
The average household wastes $384/year on subscriptions nobody remembers signing up for.
→ 🤔
Buy vs. Subscribe
Compare the true cost of buying outright vs. recurring payments.
→ 💡
Opportunity Cost
What would this money be worth if invested instead?
→ 📱
Screen Time Cost
What is your screen time really costing you in lost hours?
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🏛️ Estate Planning

14 tools →

"What you leave, and what gets taken"

🏛️
Estate Tax Exposure
Federal + state estate tax exposure at death. 2025 exemption $13.99M individual / $27.98M MFJ.
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Annual Gifting Strategy
$19K/recipient/yr × N × years sheltered before estate tax (40% top federal rate).
→ 📈
Step-Up Basis at Death
Sell now (LTCG) vs hold to death (heir gets stepped-up basis tax-free). When NOT to sell.
→ ⏳
Inherited IRA 10-Year RMD
SECURE Act drawdown for non-spouse heirs — equal annual vs lump strategies compared.
→ 💝
QCD Strategy
From 70½, route up to $108K (2025) from IRA directly to charity. AGI-preserving.
→ 🛡️
ILIT (Life Insurance Trust)
Move a policy's death benefit outside the taxable estate. $1M policy at 40% saves $400K.
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Estate Liquidity Gap
Can the estate pay the tax bill in cash within 9 months, or does it force a sale of the business?
→ 🎗️
Charitable Remainder Trust
Sell appreciated stock tax-free through a CRAT — income now, deduction today, remainder to charity.
→ 🎁
SLAT Future Appreciation
Gifting $5M into a SLAT today can shelter $14.3M of future growth from estate tax.
→ 📐
GRAT Wealth Transfer
A $1M zeroed-out GRAT can pass $163K to heirs with zero gift tax.
→ 📝
QTIP Trust + Portability
Skipping the portability election on a QTIP trust can cost $5.2M in extra estate tax.
→ 🛡️
Life Insurance Needs
How much coverage does your family actually need?
→ 🪜
Roth Conversion Ladder
Fill low brackets in gap years — convert traditional → Roth when now-rate < expected later-rate.
→ 💑
Marriage Tax: Penalty or Bonus?
Does filing jointly raise or lower your federal tax? Equal earners are a wash; single-earner couples get a bonus.
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🫂 Caregiving & the Sandwich Generation

11 tools →

"What caring for an aging parent actually costs — in dollars and in career"

🏡
Elder Care Cost Comparison
In-home aide vs assisted living vs nursing home (semi/private) — 2024 Genworth/CareScout national medians, side by side.
→ 🧑‍💼
Caregiver Opportunity Cost
Lost wages + lost 401(k) match + a permanently lower Social Security check — the real cost of quitting to caregive.
→ 🛡️
LTC Insurance Break-Even
Buy a long-term-care policy or self-fund? Compare months of care covered under each path.
→ 🧾
Parent Dependent Tax Benefit
Can you claim a parent as a dependent? The $500 credit, the Child and Dependent Care Credit, and FSA interaction.
→ 👨‍👩‍👧
Sibling Care Cost Split
Equal, income-proportional, or hybrid — see who actually carries the heaviest burden under each split.
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Home Modification ROI
$15K of grab bars and a stairlift vs a $5,900/month facility — the breakeven in months, not years.
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Adult Day Care Cost
The option between quitting your job and a facility: daytime-only care at a fraction of full-time cost.
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Family Caregiver Pay
Paying a relative for care: gift-tax exclusion vs a formal, written personal care agreement.
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Medicaid Look-Back & Spend-Down
A $100K gift 3 years ago creates a 9-month Medicaid penalty most families don't see coming.
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VA Aid & Attendance Benefit
A veteran's benefit that can unlock $1,720/month most families never claim.
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CCRC Entrance Fee vs Rental
A $480K entrance fee can cost $1.2M more than renting the same community.
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🧰
Looking for developer tools?
Formatters and validators for JSON, YAML, CSV and more, plus regex, cron, semver, and subnet testers — in Utilities.
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