Five tools. One operator's edge.
Track your net worth. Visualize compound growth. Calculate your freedom number. Score your money habits. See what inflation will do to your savings. Built to use weekly, not once.
The fastest way to stop being broke is to start measuring. You can't improve a number you don't know. Most people couldn't tell you their net worth within $10K. Most people don't know how long it'd take their savings to double. Most people guess. Operators measure.
These five tools cover the math that runs the wealth-building game. Nothing here is gated. Nothing is sent to a server. Your inputs and your history live in your phone's browser, nowhere else. Clear your browser data and it's gone.
The Net Worth Tracker
Add up everything you own. Subtract everything you owe. That's it. The number is uncomfortable for most people. That's the point. Track it every month. The arrow direction matters more than the absolute number.
Assets — what you own
Liabilities — what you owe
The Compound Calculator
Einstein supposedly called compound interest the eighth wonder of the world. He probably didn't say it. The math is wondrous anyway. See what consistent monthly investing does over 10, 20, 40 years. Watch where the line gets steep.
Your FIRE number.
Financial Independence, Retire Early. The number that, if invested, throws off enough every year to cover your life — without you ever working again. The 4% safe withdrawal rate comes from the Trinity Study. It's the closest thing to a "freedom formula" finance has.
Years to FIRE
Given what you have today and what you can save monthly, how long until you hit the number above?
Your Money Habits scorecard.
Twelve questions across four dimensions. Be ruthlessly honest. The score isn't to make you feel good or bad — it's to show you the one dimension where most of your improvement is sitting. Re-score in 90 days.
The Inflation reality check.
Cash in a savings account isn't safe — it's slowly leaking value. Inflation is the silent tax. See what your nest egg actually buys in 10, 20, 30 years. This is why "I'll just keep it in cash" is a position, not a non-position.
That's the toolkit.
Use one tool weekly. Track the change. The number that matters most is the one that's moving in the right direction every month. Bookmark this page — the tools are most useful when you can pull them up in the moment.