Fourteen tools.
One mental model.
Our first suite focuses on personal and small-business finance — where small decisions compound dramatically over time.
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 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 toolThe goal isn't prediction.
The goal is better judgment.
Simple, honest pricing.
Choose the plan that matches where you are today.
Free
For exploration and curiosity.
- Access to core calculators
- Limited scenarios
- Ideal for learning the models
Finance Pro
For people who want precision.
- Full access to all Finance tools
- Advanced multi-scenario modeling
- Deeper projections & tax logic
- Strategy modeling with live data
From the Cortex blog.
Strategies, frameworks, and deep dives into making better financial decisions.