Financial Calculators

Interactive tools for smarter decisions on taxes, health plans, and retirement.

Substack
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Disclaimer & Terms of Use
Educational use only. Not financial advice. Please read before using these tools.
HSA & Health Plans
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HSA Compound Growth
Model long-term HSA growth with contributions, employer matches, and the triple tax advantage.
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HSA Tax Alpha
See how a single contribution compounds into a larger balance when free from tax drag.
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HDHP vs. Standard Plan
Compare the true cost of a high-deductible plan with HSA against a standard PPO.
Retirement & Pensions
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Pension IRR
Estimate the internal rate of return on your pension to compare it against other retirement options.
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Pension Present Value
Calculate the lump-sum equivalent of your pension stream in today's dollars.
Investment Analysis
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Fee Drag on Returns
Visualize how even small fees erode compounding returns over a long time horizon.
For education and illustration only — not advice. All content is provided “as is” with no warranty. Results are estimates based on your inputs and simplifying assumptions; they are not financial, investment, tax, or legal advice and do not create any advisory or client relationship. Do not rely on this educational content as the basis for any financial decision. Consult a qualified, licensed professional regarding your circumstances. Full Disclaimer & Terms.