Beginner Investing & Retirement

Project a starting balance and real month-end contributions under annual, semiannual, quarterly, monthly, or daily nominal compounding, with exact deposit and interest reconciliation.

Project deterministic investment growth from a starting value and monthly contributions, with explicit beginning- or end-of-month timing and dollar reconciliation.

Calculate total ROI and net gain or loss, then use CAGR for endpoint-only investments or money-weighted IRR for explicit year-end contributions.

Model a 401(k) balance from current savings, annual employee and employer contributions, a whole-year horizon, and an entered net-return scenario.

Calculate percentages in seven modes with visible formulas, strict input validation, signed percentage change, and symmetric percentage difference.

Compare an amount across published 2000–2025 BLS CPI-U annual averages or model a clearly labeled constant-rate inflation scenario in either direction.

Convert salary or hourly pay across frequencies and estimate 2025/2026 US federal, payroll, optional state/local tax, 401(k), and take-home pay.

Project a future savings balance, solve the month-end deposit needed for a goal, or calculate time to goal with an explicit 40-year not-reached result.

Project Roth IRA contributions and growth with an entered net return, then compare the annual deposit plan with a verified IRA contribution limit.

Translate an entered annual portfolio draw and draw-rate assumption into a target, then compare it with a deterministic savings horizon.

Model retirement savings, inflation, user-entered Social Security, withdrawal-rate sensitivity, income gaps, and retirement-age scenarios.

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.

Project entered HSA contributions, scheduled distributions, and net growth while comparing annual contributions with a verified external limit.

Apply entered in-network deductible, coinsurance, copays, and out-of-pocket maximum terms to an entered allowed-charge scenario, plus premiums.

Reconcile adjusted basis and net proceeds, then apply explicitly entered tax-rate scenarios without selecting brackets or special treatment.