Interactive financial life planners
Mega Tools go beyond a single calculation. Each one is a full planner: add blocks for income, expenses, debts, assets and goals, place life events on a timeline, and project your cashflow and net worth year by year. Everything runs in your browser — private, no account, no sign-up. These are educational illustrations, not financial advice.
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Coast FIRE Planner
Coast FIRE planner: project whether your current investments can grow to your retirement target with no further contributions, year by year, in any currency.
Open plannerNet Worth & Cashflow Life Planner
Net worth projection planner: map income, expenses, debts, assets and life events to see your cashflow and net worth year by year. Free, private, in-browser.
Open plannerHow a planner differs from a calculator
A calculator answers one question from a fixed set of inputs: what a monthly payment comes to, or what a balance grows into. A planner holds the whole picture at once. You add blocks for each income source, each recurring expense, each debt and each asset, then place events on a timeline — a career change, a move, a child starting school, a lump sum arriving. The projection recalculates every year at once, so a change in one place shows up everywhere it touches.
How to use one
Start with what you already know rather than what you are unsure about: current income, current fixed costs, current balances. The projection is useful as soon as those are in, and each event you add after that sharpens it. Blocks can be switched off rather than deleted, which makes it straightforward to compare a scenario with and without one particular decision. Nothing is sent to a server — the state lives in your browser, so closing the tab clears it unless you export first.
What the projection shows
Two outputs carry most of the meaning: cashflow year by year, and net worth year by year. Cashflow shows whether a given year works at all, meaning whether money coming in covers money going out. Net worth shows the direction of travel across decades. A plan can look comfortable on net worth while failing on cashflow in one specific year, and that mismatch is the kind of thing a single calculation cannot surface.
What a planner does not do
The projection is arithmetic on the assumptions you enter, not a forecast. Investment returns are applied as one steady rate rather than modelled as volatile, so a real sequence of good and bad years produces a different path even at the same average. Tax is simplified and does not track any particular jurisdiction's rules. Inflation applies uniformly rather than at different rates to housing, energy and food. None of this makes the output useless, but it does mean the shape of the curve is more informative than any single figure sitting on it.
Mega Tools are for educational and informational purposes only and are not financial advice. Results are projections based on the assumptions you enter and will differ from real outcomes. Consult a qualified professional for personal advice.