Financial tool index
Choose the planning tool that matches your next financial decision. Each calculator turns your inputs into concrete breakdowns, projections, comparisons, or schedules.
10 calculators 5 planning stages Detailed results
Complete directory
Choose a PlanArith calculator for budgeting, net worth, debt, savings, retirement, financial independence, or life insurance planning.
01 · Understand
Start with monthly cash flow and the balance sheet you have today.
Starting tool
Build a monthly budget, compare actual spending with 50/30/20 or custom targets, and see allocation and savings gaps.
ResultCash-flow summary, target gaps, required income, and allocation charts
Starting tool
Calculate assets minus liabilities, then model growth, debt payments, and purchasing power.
ResultCurrent snapshot, asset and liability detail, and three projections
02 · Stabilize
Build a reserve, choose a payoff order, or compare consolidation costs.
03 · Build
Translate a future savings or education target into a funded path.
04 · Plan
Test retirement income coverage or a financial-independence timeline.
Long-range model
Model accounts, employer contributions, retirement income, funding gaps, and longevity.
Result
Required-versus-projected portfolio, scenarios, and income coverage
Long-range model
Estimate Lean, Base, and Fat FIRE targets, an FI date, funding gap, and Coast FIRE.
Result
Three FIRE scenarios, target-age projection, and monthly schedule
05 · Protect
Estimate the resources a household may need after an income loss.
Coverage gap breakdown, additional coverage estimate, and replacement-period scenarios