Interactive Tool Catalog & Financial Engines
Explore 61+ privacy-first calculators, developer utilities, and sports intel engines.
HDHP (HSA) vs. PPO Calculator
Compare High Deductible HDHP + HSA vs Traditional Low Deductible PPO plans: model payroll premium savings, employer HSA seeds, and 3-tier medical spending stress tests.
Mortgage Extra Principal vs. SPY
Should you pay an extra $100/mo into your mortgage or invest it in the S&P 500? Calculate 30-year net wealth differences, interest saved, and milestone payoff years.
Lower Auto & Home Insurance
Calculate how to slash auto and home premiums by $600 to $1,800/yr: model deductible arbitrage ($500 vs $1,000 vs $2,500), bundling, and telematics.
Finished Basement Cost & Tax
Calculate the true cost of finishing a basement: contractor quotes, egress windows, municipal permits, permanent assessor tax hikes, and resale ROI.
Car Property Tax & True Cost
Calculate county vehicle personal property taxes (VA, NC, CT, MO, MA), 5-year depreciation schedules, and compare Brand New vs 3-Year CPO savings.
Work Commute vs. Transit
Calculate true monthly commute costs from City A to City B. Compare driving gas/EV, parking, and tolls against public transit trains, buses, and hybrid WFH savings.
Childcare vs. Stay-at-Home
Calculate the true financial trade-off of staying home: measure take-home pay, lost 401(k) compounding, and career re-entry wage penalties.
529 College Savings & Tax
Calculate college funding trajectory, measure annual state tax refund deductions across 50 states, and model SECURE 2.0 Roth rollovers.
Startup ISO Options & AMT
Calculate your cash out-of-pocket tax bill when exercising startup ISOs, measure the 409A AMT spread, and avoid illiquid paper-gain tax disasters.
401(k) Loan vs. PMI
Decide whether borrowing from your 401(k) to reach 20% down actually saves money compared to keeping retirement invested and paying temporary PMI.
Rent Hike vs. Moving Cost
Determine if moving to a cheaper apartment actually saves money once moving trucks, broker commissions, and security deposit friction are counted.
Mortgage Discount Points
Calculate whether paying 1 to 2 discount points upfront at closing actually saves money before you move or refinance into lower market rates.
Foreign FX & Airport Fees
Calculate hidden fees stolen by airport currency kiosks (14% spread), Dynamic Currency Conversion (DCC), and 3% card transaction fees on international trips.
Refinance True Breakeven
Expose the 30-year amortization reset trap, calculate extra years and payments added to your mortgage, and find true net interest breakeven.
Bill Negotiation & Call Scripts
Lower internet, cell, insurance, gym, and hospital bills by $300–$1,200/yr with custom word-for-word retention department negotiation scripts.
Costco Bulk vs. Food Waste
Calculate true usable unit prices after refrigerator spoilage to determine if bulk warehouse packs actually save money or trigger waste loss.
Streaming Subscription Cycling
Audit monthly subscription creep across Netflix, Spotify, Prime, and AI tools. Model rotational cycling to save $600–$1,400/yr with zero missed shows.
Solar Home Equity & Resale
Calculate home appraisal value added by owned solar ($4/Watt LBNL model), buyer power savings, and evaluate leased solar transfer vs. buyout at closing.
Tax-Loss Harvesting & Wash-Sale
Calculate capital gains tax offsets, $3,000 ordinary income write-offs, loss carryforwards, and safe ETF proxy rotations under IRS Wash Sale rules.
Section 179 Heavy SUV Tax Shield
Calculate IRS Section 179 expensing, 60% bonus depreciation, and first-year cash tax refunds for business vehicles exceeding 6,000 lbs GVWR.
TOU Electricity & Battery Arbitrage
Calculate monthly power bill savings from off-peak EV charging, appliance load shifting (4 PM-9 PM peak), and home battery energy arbitrage.
Airline Baggage Fee & Weight
Calculate checked luggage fees, 50-lb overweight penalty tiers ($100–$200), carry-on rules, and 62" linear dimensions across 10 major airlines.
Feels-Like, Heat Index & Wind Chill
Model apparent temperature, human sweat evaporation thresholds, frostbite exposure timelines, and dew point using official NOAA Steadman equations.
Travel Jet Lag & Sleep Optimizer
Calculate exact circadian phase shifts, light seeking vs. sunglasses avoidance hours, caffeine cutoffs, and melatonin timing to eliminate jet lag.
Road Trip Gas & Passenger Split
Calculate exact road trip gas costs, EV charging stops, highway aerodynamic drag, tolls, and generate instant fair Venmo/Zelle payment requests.
401(k) Employer Match & True-Up
Calculate exact paycheck deductions to capture 100% of your company match, check vesting schedules, true-up rules, and 30-year compounding.
Backdoor Roth & Pro-Rata Modeler
Calculate taxable conversion ratios under the IRS Form 8606 Pro-Rata Rule, track non-deductible basis, and model 401(k) reverse rollover shelters.
HSA Triple-Tax & Stealth IRA Modeler
Calculate upfront income and FICA 7.65% tax deductions, 30-year tax-free compounding, and the stealth IRA receipt shoebox strategy.
Public Pension WEP & GPO Modeler
Calculate Social Security benefit reductions under the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for teachers, police, and civil servants.
Cash Balance Pension Plan Modeler
Calculate maximum age-weighted defined benefit deductions ($150k-$350k+), 401(k) combos, and ERISA asset protections for doctors, partners, and high earners.
Stock Options ISO & AMT Modeler
Calculate Alternative Minimum Tax (AMT) on ISO exercises, Section 83(b) election timing, Form 8801 credits, and long-term capital gains at exit.
Age Pension & Social Security Optimizer
Model early vs. delayed claiming ages (62 vs. 67 vs. 70), find your lifetime breakeven crossover, and compare pension annuities against lump-sum payouts.
Health Insurance Deductible & OOPM Estimator
Model health insurance deductibles, coinsurance (80/20 split), and out-of-pocket maximum caps with in-browser patient advocacy AI.
COBOL to Python & Java Modernizer
Decompile procedural COBOL routines into clean Python 3.12, Java 21 Spring Boot, TypeScript, and explain business rules with in-browser AI.
EBCDIC & COMP-3 Packed Decoder
Translate raw IBM-037/1047 EBCDIC hex streams to ASCII, unpack COMP-3 signed decimals, and inspect zoned decimal overpunches.
JCL Validator & COND Flowchart
Validate z/OS JCL syntax rules, simulate COND return code step execution branching (RC 0/4/8/12), and explain DISP/SPACE parameters.
COBOL Copybook to JSON & TypeScript
Decompile COBOL copybooks into JSON Schemas, TypeScript types, Python Pydantic models, SQL DDL, and inspect memory byte offsets.
S&P 500 (SPY) Backtester & Future Gains
Backtest historical S&P 500 DCA/lump-sum returns with dividend reinvestment (DRIP) and simulate future compounding nest egg milestones.
Home Improvement Adjusted Tax Basis
Track renovations and additions to step up your adjusted cost basis, eliminating thousands in capital gains tax beyond the IRS $500k exclusion.
AI Small Business Content & Social Engine
Generate client proposals, LinkedIn posts, Instagram captions, Google Business updates, and email campaigns in seconds for free.
AI College Admissions & SAT Matcher
Match your GPA, SAT/ACT, intended major, and extracurriculars against 35+ top universities to calculate your exact acceptance odds.
AI Resume Bullet & ATS Optimizer
Converts raw job experience into high-impact, quantified STAR-method resume bullets loaded with matching ATS keywords.
AI System Design & RFC Drafter
Drafts production-grade Engineering RFCs with Redis caching topologies, Kafka partition keys, data schemas, and CAP trade-offs.
AI Code Security Auditor
Scans Python, Node.js, and SQL code for SQL injections, ReDoS attacks, hardcoded secrets, and outputs secure remediation diffs.
AI Inspection Repair & Credit Drafter
Converts home inspection defects (HVAC, roof, plumbing) into contractor cost estimates and drafts a formal Seller Credit Request Letter.
AI Landlord Lease Notice Drafter
Generates state-statute compliant 3-day, 5-day, and 30-day Cure-or-Quit notices for unpaid rent, pet breaches, and non-renewals.
AI Scope of Work (SOW) Generator
Drafts airtight freelance contracts with milestone billing schedules, revision limits, out-of-scope boundaries, and kill-fees.
AI Overdue Invoice Recovery Drafter
Generates 3 escalating tiers of high-converting payment collection emails (Polite Check-in → Late Fee Notice → Pre-Legal Demand).
Freelance Hourly Rate & Retainer Calculator
Calculate true billable hourly rates, factor in 15.3% self-employment taxes, 60% billable utilization buffers, and value-based retainers.
AI GDPR & CCPA Privacy Policy Drafter
Generates audit-ready Privacy Policies tailored for Google AdSense compliance, Stripe payment processing, and cookie tracking mandates.
AI Jira Ticket & BDD Spec Drafter
Generates formatted Jira stories, bug reports with Gherkin acceptance criteria, edge-case failure scenarios, and Playwright tests.
AI Medical Bill Decoder & Dispute Drafter
Decodes 5-digit CPT hospital codes against fair Medicare fee baselines and generates cash settlement dispute letters.
AI Contract Clause Risk Scanner
Scans freelance and SaaS clauses for unlimited indemnity, broad non-competes, and IP traps with safe redline counter-proposals.
AI SQL Query Explainer & Indexer
Analyzes PostgreSQL, MySQL, and Snowflake queries, detects un-indexed full table scans, and recommends composite index statements.
AI Voice Memo to Jira Transcriber
Records voice memos in-browser, transcribes speech, and structures unorganized thoughts into Jira specs and action items.
AI Smart Form Filling Assistant
Drafts audit-ready answers for merchant underwriting (Stripe/Adyen), commercial leases, insurance claims, and questionnaires.
AI Meal Scanner & Weight Projector
Unified 3-in-1 suite: Scan meal photos for instant macros, track daily calories, and simulate your exact goal weight timeline with TDEE charts.
InBody Composition & BMI Suite
Calculate true body composition beyond basic BMI: measure lean muscle mass, US Navy body fat %, natural FFMI ceiling, and Katch-McArdle metabolic burn.
Solo 401(k) Real Estate Leverage
Models non-recourse debt leverage, IRC § 514(c)(9) zero UDFI tax exemption vs SDIRA, and generates an executive acquisition memo.
Triple Net (NNN) Real Estate FCF & Yield
Model Levered Free Cash Flow (FCF), Cap Rates, DSCR bank stress-testing, 10-year rent escalations, and 39-year commercial depreciation shields.
BRRRR Real Estate Modeler
Model purchase price, rehab budgets, 75% ARV cash-out refinances, capital recapture, DSCR coverage, and infinite cash-on-cash ROI.
Mortgage Amortization & Extra Payments
Calculate interest savings from extra monthly principal payments, annual lump-sum payoffs, and bi-weekly payment accelerators.
Options P&L Matrix & Greeks
Interactive multi-strike P&L matrix with live price feeds, Black-Scholes Greeks (Δ, Γ, Θ, ν), and AI volatility analyst.
AI Trading Script & Screener Generator
Convert plain English trading rules into error-free scanner formulas and custom indicators for Thinkorswim, TradingView, and Chartink.
W-2 vs. 1099 vs. C2C (S-Corp)
3-way tax comparison across W-2, 1099, and C2C with S-Corp reasonable salary split, FICA tax savings, and $69k Solo 401(k) blueprint.
Multi-Leg Strategy Builder
Visual payoff curve builder for Iron Condors, Straddles, Butterfly Spreads, and Vertical Spreads with max profit/risk calculations.
Crypto DCA vs. Lump Sum Backtester
Simulates recurring Dollar Cost Averaging vs upfront Lump Sum investment across BTC, ETH, and SOL using historical daily market data.
Charitable Real Estate Donation
IRC § 170 / 501(c)(13) appraisal vs purchase price tax savings with 30% AGI 5-year deduction carryforward schedules.
AI Rental Listing & Tenant Screener
Drafts high-converting Zillow rental marketing copy and Fair Housing Act compliant tenant qualification criteria.
Startup Equity & AMT Modeler
Models ISO vs NSO exercise strike spread, 2026 Alternative Minimum Tax (AMT) liability, and capital gains tax upon IPO exit.
50-State Tax Relocation Modeler
Side-by-side state income tax, property tax, and sales tax comparisons with 10-year compounding wealth impact charts.
HSA "Stealth IRA" Wealth Modeler
Calculates triple-tax-free HSA compound growth vs taxable brokerage accounts utilizing the shoebox receipt reimbursement strategy.
Solo 401(k) vs. SEP IRA Modeler
2026 IRS contribution caps ($69,000), employee deferral ($23,000) + 25% profit sharing comparison, and compounding curve.
AI Glassmorphism CSS Generator
Generates frosted glass UI effects with backdrop-filter blur, border glow, shadow depth, and copyable CSS & Tailwind code.
Developer Swiss Army Hub
JSON Formatter, JWT Debugger, Cron Parser, Regex Tester, UUIDv4 Generator, Unix Timestamps, and SHA-256 Hash Suite.
AI Excel & Sheets Formula Architect
Translate plain English to complex Excel & Google Sheets formulas, debug #SPILL! errors, and export to Python Pandas & VBA.
Subnet & CIDR IP Calculator
Calculate IPv4/IPv6 CIDR subnets, bitmasks, wildcard masks, usable host ranges, and AWS VPC cloud IP reservations.
AI Regex Tester & ReDoS Guard
Generate regular expressions with AI, test live matches and capture groups, analyze ReDoS security risks, and export to Python, JS & Go.
SQL Formatter & Index Optimizer
Format messy SQL queries, detect non-SARGable performance bottlenecks, and generate optimal composite B-Tree and GIN indexes.
AI Cron Generator & Schedule Tester
Build, test, and translate cryptic crontab syntax into human English sentences with live scheduled execution timestamps.
JWT Decoder & Signature Debugger
Inspect JSON Web Token headers and payload claims, track live expiration countdowns, and verify HMAC secrets locally.
Aspect Ratio & Dimension Scaler
Calculate proportional pixel dimensions, reduce aspect ratios with GCD algorithms, and preview responsive video canvases.
Crypto Liquidation & P&L Calculator
Simulates 1x to 125x leverage liquidation prices, maintenance margin requirements, and return on equity (ROE) for longs and shorts.
Tech Offer Total Comp (TC) Modeler
Side-by-side total compensation modeler factoring base salary, sign-on bonuses, annual bonus %, 4-year RSU vesting, and Year 5 cliff.
Bi-Weekly Mortgage & Term Reduction Modeler
Split monthly mortgage payments into 26 bi-weekly half-payments to shave 4 to 6 years off your loan and save $50k–$150k+ in interest with $0 extra budget strain.
2026 IRS Tax Return Estimator
Estimates federal tax liability, marginal vs effective tax rates, standard deductions, and projected tax refund for 2026 filers.
Hourly to Annual Salary Converter
Real-time bidirectional conversion between hourly rates, daily earnings, bi-weekly paychecks, and annual gross compensation.
Australian Age Pension & Centrelink
Calculate exact fortnightly Age Pension payments with Centrelink Assets & Income Tests, deeming rates, taper decay, and super shelters.
NBA True Shooting & Game Score
Quantify scoring efficiency: calculate True Shooting (TS%), Effective Field Goal % (eFG%), Points Per Shot, and John Hollinger's single-game Game Score.
NFL 4th Down & 2-Pt Decision
Should the coach Go for It, Kick a Field Goal, or Punt? Calculate conversion probability, Expected Points Added (EPA), and 2-point conversion analytics.
ATP & WTA Live Tennis Rankings
Simulate 52-week rolling points defending across Grand Slams (2,000 pts) and Masters 1000s: model live ranking point deltas and the battle for World No. 1.
MLB Sabermetrics (wRC+ & FIP)
Unmask true player value: calculate Weighted Runs Created Plus (wRC+), Fielding Independent Pitching (FIP), and 162-game team Pythagorean win regression.
AI FIFA World Cup Records & H2H Hub
All-time World Cup winners, top goalscorer leaderboards, national Head-to-Head (H2H) matrix, and AI milestone pace forecasts.
Soccer League Table & GD Simulator
Simulate matchday fixtures, re-order standings dynamically by Goal Difference (GD) and Goals Scored (GF), and model title clinch scenarios.
AI ICC Cricket Records & NRR Hub
World Cup century records (Rohit, Kohli, Sachin), India vs Pakistan H2H, and Net Run Rate (NRR) qualification math.
Cricket DLS Rain Target & Par Calculator
Calculate revised Duckworth-Lewis-Stern targets, resource loss percentages, and real-time over-by-over DLS par scores.
AI Formula 1 Records & Standings Hub
All-time Grand Prix wins (Hamilton 105, Schumacher 91, Verstappen 61+), poles, constructor titles, and points simulators.
F1 Title Elimination & Points Matrix
Model mathematical championship elimination thresholds, Sprint weekend points swings, and title clinch scenario matrices.
AI Champions League Records & H2H
Top goalscorers (Ronaldo 140, Messi 129), European Clásico H2H (Real Madrid vs Bayern), and knockout analytics.
AI Tour & Festival Budget Planner
Calculate all-in concert and 3-day festival costs factoring hidden ticketing fees (18–25%), travel, lodging, and merch.
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