Transparent financial calculators
Built by a fiduciary.No ads, no lead-gen, no data selling.Just the math.
Five focused tools make the assumptions, method, and limits visible. Each answers a different question; none is the universal best place to start.
Financial calculators
Fee Drag Calculator
Advisory costs
What could percentage-based fees cost over time?
Compare the same investment path with no advisory fee, an AUM fee, and a flat monthly fee.
Time Value of Money Calculator
Investment growth
How could contributions and compounding add up?
Explore contribution timing, compounding frequency, and purchasing power with every assumption visible.
Withdrawals in Retirement
Retirement withdrawals
How has one withdrawal plan behaved across different sequences?
Compare one steady illustration with rolling U.S. historical periods without treating either as a forecast.
Roth Conversions
Federal tax illustration
Where might a conversion land across federal brackets?
Estimate incremental 2026 federal ordinary-income tax and view Medicare IRMAA separately.
Rent vs. Buy
Housing tradeoffs
How do housing costs and opportunity cost compare?
Compare buyer exit wealth and renter investment wealth month by month under your assumptions.
These calculators aren't the same as the financial planning software we use with Smarter Way Wealth clients. They're genuinely useful for answering one question at a time, and unlike a real plan, they don't talk to each other or to your actual accounts.
Learn about Smarter Way Wealth.