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See how a raise today becomes $500K+ over 20 years when invested. The tool that makes you negotiate.

Compare two job offers on true total compensation — salary, bonus, RSUs, 401k match, and benefits.

Honest math on renting + investing vs buying. Accounts for property tax, maintenance, and opportunity cost.

See the financial impact of working exactly one more year. Helps you decide when to pull the trigger on FIRE.

Plan health insurance for the years between early retirement and Medicare. Honest math on your ACA premium tax credit, the restored 400% FPL cliff, and how Roth conversions and capital gains move your net premium.

Plan year-by-year Roth conversions that fill your tax bracket, track the 5-year unlock schedule, and compare total tax against early withdrawals with the 10% penalty.

Which account do you drain first in retirement? Compare conventional, Roth-conversion-aware, and bracket-fill withdrawal sequences year-by-year — federal-tax-aware — and see the lifetime tax and ending portfolio for each.

Sell your vested RSUs immediately, or hold for long-term capital gains? Honest math on the tax-timing question — including when the hold is a rounding error and concentration risk makes 'diversify anyway' the right answer.

Monte Carlo survivability + bucket strategy for early retirement. Model how bad first-decade returns interact with your cash / bond / stock buckets and stress-test against 1929, 1966, 2000, and 2008.

What does retiring early actually do to your Social Security? Build a synthetic earnings history (nothing to paste, nothing stored), see the honest bend-point math on your $0 years, and compare claiming at 62 vs 67 vs 70 with break-even ages.