Calm money, honestly.
Now in today's dollars.
Nine calculators, built carefully. Every projection shows both nominal and inflation-adjusted figures, because $1.5M in 2056 is not $1.5M in purchasing power. No upsell, no email gate, no fear. Just the math.
Compound growth.
One lump sum, left alone. The calculator behind every other one on this page. Watch the curve bend.
Investment growth, three scenarios.
Conservative, base, optimistic — the same plan run three different ways. The truth lives somewhere in the band, not on a single line.
Roth vs Traditional IRA.
Same out-of-pocket cost, different tax treatment. The Traditional refund grows in a taxable account at long-term capital gains rates — a more honest comparison than the usual back-of-envelope.
401(k) employer match.
An employer match is the highest guaranteed return any of us will ever see. Below, see the minimum contribution that captures the full match — and what that's worth over a career.
Retirement number, real-world version.
Most FI calculators forget Social Security and assume you stop earning at age 65. This one accounts for both — the real number is usually smaller than people think.
Mortgage, full PITI.
Principal, Interest, Taxes, Insurance — and PMI if your down payment is under 20%. PMI auto-drops at 78% LTV under the Homeowners Protection Act. This is what your actual monthly payment will be.
Compounding, by asset class.
Same starting balance, three return assumptions, both nominal and inflation-adjusted. Useful for sizing volatile positions — and for resisting the urge to extrapolate one good year into thirty.
Tax bracket & take-home.
Real 2026 brackets, real FICA, real standard deduction. Federal only — state tax depends on where you live.
What inflation actually does.
Cash sitting at 0% loses purchasing power every year. This shows you exactly how much, and what return you'd need to merely break even.
