Investor’s Handbook Tools

Practical financial models and calculators to help you run the numbers and make better decisions.

The Permanent Price Calculator

Free

See what any recurring cost really costs: the capital it permanently requires, the months it adds to your financial independence, and whether it buys back your time.

See What My Upgrades Really Cost

The Replacement Reserve Calculator

Free

Your budget can balance every month and still be falling behind. The Replacement Reserve Calculator estimates your true monthly cost of wear, how much of it you've already funded, a recommended monthly set-aside, and the year your next cluster of big replacements is likely to hit.

See My True Monthly Cost of Wear

The Fragile Decade Retirement Stress Test

Free

Stress-test the five years before and after retirement. Compare favorable and unfavorable return sequences, measure how withdrawals change the outcome, and see which guardrails could help your plan withstand a difficult start.

Stress-Test My Retirement Start

The Hurdle Rate Decision Calculator

Free

Compare the guaranteed return from paying down debt with the expected return from investing, while protecting your liquidity and accounting for the additional return you require to take market risk.

Run the Hurdle Rate Rule