Calculators
Nine deterministic models for capital, tax and unit economics. Every calculation runs in your browser.
Money
Compound Engine
Growth with contributionsProject exponential capital growth with recurring contributions, compounding frequency, and real inflation drag.
Best for: Long-term index fund modelling and multi-decade wealth planning.
OpenFIRE Matrix
Independence timelineCalculate net-worth milestones and safe-withdrawal timelines to reach financial autonomy.
Best for: Pinpointing your early retirement date and required target portfolio.
OpenDebt Payoff Engine
Avalanche vs snowballSimulate avalanche versus snowball strategies to cut interest leakage across liabilities.
Best for: Choosing the fastest route to clear loans, cards, or a mortgage.
OpenBuy-to-Let Yield
UK property returnsGross and net yield, Section 24 tax, debt service, SDLT, and rate-stress cashflow.
Best for: Assessing a UK residential rental before you commit capital.
OpenISA / GIA Optimiser
Wrapper tax frictionQuantify compounding friction from dividend and CGT in a GIA versus a tax-free ISA.
Best for: Decide portfolio location and the cost of leaving money unshielded.
OpenRunway Matrix
Cash reserve targetLiquid capital required from fixed versus variable burn, dependants, and income volatility.
Best for: Calibrating cash for an employment gap or business downturn.
OpenBusiness
Billable Rate Engine
True hourly floorOverheads, tax, non-billable hours and time off folded into a minimum hourly rate.
Best for: Freelancers and consultants setting profitable client pricing.
OpenBreak-Even Engine
Volume to profitUnit volume and revenue required to cover fixed costs and reach operating profit.
Best for: Stress-testing product economics before launching an offer.
OpenDividend / Salary Splitter
Director extractionModel salary versus dividend splits for a UK limited-company director under current bands.
Best for: Directors optimising take-home after corporation tax, NI and dividend tax.
Open