Seven browser-only utilities from a boutique forecasting house. Each one is localised across global plus 8 markets — UK, Ireland, France, Germany, US, Canada, Australia, and Singapore. No signup, no affiliate links, and the math runs entirely on the reader's device.
See how a starting amount plus monthly contributions grow under compound returns. Chart shows when the compounded portion starts pulling decisively ahead of what you put in. Localised across 9 markets with country-specific tax-wrapper context.
Apply the 28/36 rule to a real income and debt profile to find a maximum affordable property price. Output includes the monthly payment for any target price, a housing and total debt-to-income ratio, and a clear afford/can't-afford verdict.
Project the date you reach financial independence under the 4% safe withdrawal rule. Surfaces unreachable scenarios honestly, runs a Coast FIRE check against the local state pension age, and plots your portfolio against the FI target across 40 years.
Enter up to 8 debts with balances, APRs, and minimum payments. The calculator runs both strategies in parallel, shows months to debt-free and total interest paid under each, and flags the budget-below-minimums case with a precise shortfall.
Convert your monthly savings, take-home pay, and expenses into a precise savings rate, an implied retirement age, and the Mr Money Mustache benchmark table (5% → 66y, 50% → 17y, 70% → 8.5y). Country FAQs cover local tax ceilings on take-home rate.
Project net pay after income tax, National Insurance or social charges, and pension contributions across the United Kingdom, Ireland, France, and Germany. Built on 2026 brackets.
Our original avalanche-vs-snowball comparator. For multi-debt scenarios with extended schedules, see the newer snowball vs avalanche tool above which includes a 9-country localisation and budget-shortfall handling.