Free tools that replace guesswork with clarity.

Net Worth Calculator

Assets minus liabilities. Your financial starting position in one number.

50/30/20 Budget Allocator

Auto-split your income into needs, wants, and goals.

Emergency Fund Calculator

How much you need and how long it will take to build.

Credit Card True Cost Calculator

What minimum payments really cost you over time.

Student Loan Simulator

Compare standard, income-driven, and refinance repayment plans.

Debt Payoff Simulator

Avalanche vs snowball strategy with multiple debts side by side.

Salary Negotiation Impact

Lifetime earnings difference from one negotiation.

Tax Bracket Visualiser

See marginal vs effective rates on your income.

Tax-Advantaged Account Optimizer

The optimal order for 401(k), Roth, HSA, and more.

Roth vs Traditional Comparison

Which IRA wins based on your current and future tax rates.

Compound Growth Visualiser

Watch contributions turn into wealth over time with interactive charts.

Retirement Number Calculator

Your target number and how much to save monthly to reach it.

Buy vs Rent Comparator

The actual math behind the biggest housing decision.

Mortgage Affordability Calculator

The bank's number vs the safe number vs stress-tested.

Insurance Needs Checklist

What you need, what to skip, based on your situation.

Personal Runway Calculator

How long your savings last at different burn rates.

Should I Take the Leap? Scorecard

10-criterion assessment of your financial readiness to start a company.

Three Numbers Dashboard

Runway, flex, and net worth in one view.

Funding Readiness Score

10-factor assessment of whether you're ready to raise. Scored and graded with gap analysis.

Runway & Burn Calculator

Cash, burn, revenue, growth rate with toggle scenarios: new hire, cut head, churn spike, close deal.

Unit Economics Calculator

CAC, LTV, LTV:CAC ratio, and payback period from your real numbers.

Revenue Model Builder

Starting MRR, growth, churn, and expansion to project ARR at M6/M12/M18.

Headcount & Salary Planner

Headcount by department with salaries and benefits burden. Monthly and annual loaded cost.

P&L Snapshot

Revenue, COGS, salaries, and opex to get gross margin and net income in one view.

Three-Scenario Planner

Base, bull, and bear cases for MRR, growth, and burn with cash projections.

Sensitivity Analysis

Revenue vs burn matrix showing runway or net cash flow at each combination.

Valuation Estimator

Stage-based multiples applied to your ARR, growth, and gross margin.

Dilution Simulator

Pre-money, investment, option pool to see founder vs investor ownership.

SAFE vs Convertible Note

Compare pre-SAFE, post-SAFE, and convertible notes with cap and discount terms.

Multi-Round Dilution Tracker

Cumulative dilution across Seed, Series A, and Series B rounds.

Pitch Deck Scorecard

Rate 10 elements of your deck and get an overall score with improvement notes.

Exit Proceeds Estimator

Exit valuation, ownership, and taxes to calculate your net take-home.

Exit Proceeds Calculator

Model net proceeds accounting for ownership %, preferences, and taxes.

EBITDA Bridge Builder

Add-backs and adjustments to calculate normalised earnings.

Multiple Estimator

Exit multiple using comparable transactions and industry benchmarks.

Asset vs Stock Sale Comparator

Compare asset sale vs stock sale tax implications on your proceeds.

QSBS Savings Calculator

Qualified Small Business Stock tax benefits and exclusion impact.

Earnout Expected Value

Probability-weighted payout scenarios for earnout structures.

PE Rollover / Second Bite Simulator

Model rollover equity scenarios and calculate dilution impact.

SDE vs EBITDA Calculator

Which earnings metric applies to your business and what it means for valuation.

Exit Readiness Scorecard

Self-assess readiness with instant score and improvement recommendations.

Founder Dependence Audit

Evaluate key-person risk and its impact on business value.

Customer Concentration Risk

Measure customer dependency and its effect on exit value.

Data Room Completeness Checker

Due diligence document checklist to make sure you're sale-ready.

Should I Sell? Decision Framework

Evaluate timing, valuation, and personal readiness factors.

Process Timeline Planner

Realistic milestone schedule for exit preparation and execution.

Working Capital True-Up Simulator

Model working capital adjustments and payment impact at close.

LOI Term Sheet Comparator

Compare letter-of-intent terms and evaluate deal structure impact.

M&A Advisor Fee Calculator

Compare investment banker, accountant, and attorney costs.

Installment Sale Bracket Optimizer

Model tax deferral and payment schedule scenarios.

Opportunity Zone Investment Modeler

Calculate deferral, reduction, and exclusion impact of OZ investing.

Cross-Border Tax Rate Comparator

Model foreign-seller and international transaction tax implications.

Sustainable Spending Calculator

Model wealth sustainability and safe draw rates post-exit.

Wealth Advisor Fee Impact

Long-term impact of different advisor fee structures on post-exit wealth.

Post-Exit 90-Day Calendar

Week-by-week roadmap for tasks, transitions, and decisions.

Psychology Self-Assessment

Evaluate emotional and personal transition readiness.

Absence Test Protocol

Verify your business operates without your involvement.

CIM Executive Summary Workshop

Build a compelling Company Information Memorandum narrative.

Risk Register Builder

Identify, assess, and mitigate exit risks systematically.

Presentation Dry Run Scorecard

Evaluate pitch materials and management presentation for buyer appeal.

Purchase Price Allocation Prep

Optimise tax implications of deal structure allocation.

Letter to Your Company

Craft your departure message and legacy statement.