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Start Ready Tools

18 interactive calculators and simulators from Start Ready: The Financial Playbook for Building a Life You Can Afford to Risk.

18 tools

Part I: The Foundation

Chapter 1

Net Worth Calculator

Assets minus liabilities. Your financial starting position.

Chapter 3

50/30/20 Budget Allocator

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

Chapter 4

Emergency Fund Calculator

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

Part II: Debt and Credit

Chapter 6

Credit Card True Cost Calculator

What minimum payments really cost you over time.

Chapter 7

Student Loan Simulator

Compare standard, income-driven, and refinance plans.

Chapter 8

Debt Payoff Simulator

Avalanche vs snowball with multiple debts.

Part III: Earning and Taxes

Chapter 9

Salary Negotiation Impact

Lifetime earnings difference from one negotiation.

Chapter 11

Tax Bracket Visualiser

See marginal vs effective rates on your income.

Chapter 12

Tax-Advantaged Account Optimizer

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

Chapter 12

Roth vs Traditional Comparison

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

Part IV: Investing

Chapter 13

Compound Growth Visualiser

Watch contributions turn into wealth over time.

Chapter 16

Retirement Number Calculator

Your target number and how much to save monthly.

Chapter 17

Buy vs Rent Comparator

The actual math behind the biggest housing decision.

Part V: Big Decisions

Chapter 19

Mortgage Affordability Calculator

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

Chapter 20

Insurance Needs Checklist

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

Part VI: The Bridge to Founder Life

Chapter 23

Personal Runway Calculator

How long your savings last at different burn rates.

Appendix C

Should I Take the Leap? Scorecard

10-criterion assessment of your financial readiness.

Chapter 25

Three Numbers Dashboard

Runway, flex, and net worth in one view.

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