Every Money Guy Mutants tool.
Calculators and engines for personal and small-business finance — free tools to explore, Pro tools for precision.
Compound Interest Calculator
See how your money grows over time with different contribution strategies and rates.
Open toolIndex Fund Growth Visualizer
Simulate historical returns and volatility for popular index ETFs like VOO, VTI, VT, and QQQM.
Open toolHousehold Budgeting System
Allocate resources under constraints with AI-powered optimization and flexibility analysis.
Open toolGambling Spend Redirect
See the wealth gap between playing the odds and owning the market. Redirect toward real wealth.
Open toolRetirement Strategy Engine
Decumulation planning with Roth conversions, tax optimization, and sequence risk analysis.
Open toolCoast FIRE Calculator
Find out if your current savings will grow to your retirement number on their own — no more contributions needed.
Open toolNet Worth Engine
Track assets and liabilities, analyze liquidity, and visualize your financial trajectory.
Open toolRent vs Buy Reality Engine
Compare renting vs buying with opportunity cost, maintenance drag, and tax treatment.
Open toolDebt Paydown Optimizer
Compare avalanche vs snowball strategies with psychological weighting and opportunity cost.
Open toolGeographic Arbitrage
Calculate wealth-building potential by comparing income, taxes, and cost of living across all 50 states.
Open toolS-Corp Investment Optimizer
Maximize retirement contributions while optimizing your S-Corp owner compensation.
Open toolS-Corp Optimizer
Calculate self-employment tax savings and find your ideal salary/distribution split.
Open toolCapital Gains Tax Estimator
See how much stock you can sell before each tax cliff — models the 0/15/20% brackets, NIIT, IRMAA, ACA, and Virginia tax for 2026.
Open toolCar Affordability Calculator
Understand the true cost of vehicle ownership including depreciation and opportunity cost.
Open toolFinancial Personality Quiz
Map your money instincts to one of six investor archetypes — from patient Accumulator to high-conviction Visionary.
Open toolWhat's Your Why
Eight reflective questions that surface what actually drives your money decisions — reflected back as a personal read on your relationship with money.
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