Tools
Financial calculators
Calculators for savings, a house, and one options lab. They don’t write to Journal or Practice.
Household
Caps and tax rates are labeled 2026 defaults you can edit.
Compound interest
What a lump sum grows to if you reinvest the return.
401(k)
Workplace balance after salary deferral, match, and a teaching return.
Roth IRA
After-tax contributions grown to a labeled retirement year.
Roth vs Traditional
Same dollars in; after-tax dollars out at two tax rates.
Retirement
Nest egg versus inflated spend at a teaching withdrawal rate.
Mortgage
Monthly principal and interest, total interest, and months to clear.
Investment return
Annualized return from a start value, an end value, and optional deposits.
Return risk
Standard deviation, beta, R-squared, and Sharpe from numbers you type.
Dividend income
Cash from a yield, with or without a simple DRIP.
Inflation
Today’s dollars in the future, and future dollars in today’s terms.
Net worth
Assets minus debts. Not a broker statement.
Options lab
You type the spot, strike, and premium. Not a live chain. Nothing saves to Journal or Practice.
AI Agent
Ask a question in plain language. Not a forecast, and not an order.