About the project
Free tools that show their work.
TheMathOfFinance.com exists to make one financial question at a time easier to inspect, discuss, challenge, and share.
Why are the calculators free?
We believe that not everybody needs to pay for financial advice.
A useful financial calculation should not require an email address or turn into a lead sale. The tools are educational, run without an account, and put the model in front of you instead of hiding it behind a form.
Who are these tools for?
They are for anyone who wants to test an assumption, understand a tradeoff, or bring a better question into a financial conversation. The result is an illustration, not an individualized recommendation or a promise about the future.
What is Smarter Way Wealth?
What
An investment and financial planning relationship with an experienced, highly credentialed advisor — for just $100 a month.
Why
Because not everyone needs to be paying massive, asset-based fees to get good advice.
Who
David Van Osdol, CFA Charter Holder and CFP Professional with over 20 years’ experience. You will work directly with him.
How
Yes
- Technology to automate admin work
- Published model portfolios from top firms
- Virtual meetings
No
- Layers of corporate overhead
- Massive marketing budgets
- A large real estate footprint
No need to move your accounts.
What are the limitations or drawbacks of these calculators?
Standalone tools cannot coordinate cash flow, taxes, investments, insurance, Social Security, estate decisions, and multiple goals across time. That is a different job from answering one focused question.
These are not the same tools that we use with Smarter Way Wealth clients. Our tools are more comprehensive and pull in real information about you, your holdings, and your accounts.
Where can I find other cool stuff?
See our advanced fee calculator at YouArePayingTooMuch.com to see how asset-based advisory fees affect your portfolio over time.
See how much money you might be leaving on the table from low- or no-interest checking or savings accounts at YouAreEarningTooLittle.com.
For a fuller planning relationship, visit SmarterWayWealth.com.