Advisory costs
Advisor fee and AUM drag
What could percentage-based fees cost over time?
Compare the same investment path with no advisory fee, an AUM fee, and a flat monthly fee.
Open calculatorTransparent financial calculators
Built by a fiduciary. No ads, no lead-gen, no data selling. Just the math.
Five focused tools make the assumptions, method, and limits visible. Each answers a different question; none is the universal best place to start.
Five questions, five tools
Choose the question in front of you.
Investment growth
Compound interest
How could contributions and compounding add up?
Explore contribution timing, compounding frequency, and purchasing power with every assumption visible.
Open calculatorRetirement withdrawals
Retirement and safe withdrawal
How has one withdrawal plan behaved across different sequences?
Compare one steady illustration with rolling U.S. historical periods without treating either as a forecast.
Open calculatorFederal tax illustration
2026 Roth conversion
Where might a conversion land across federal brackets?
Estimate incremental 2026 federal ordinary-income tax and view Medicare IRMAA separately.
Open calculatorHousing tradeoffs
Rent vs. buy
How do housing costs and opportunity cost compare?
Compare buyer exit wealth and renter investment wealth month by month under your assumptions.
Open calculatorUseful, with a boundary
One clear answer is not a complete plan.
These calculators aren't the same as the financial planning software we use with Smarter Way Wealth clients. They're genuinely useful for answering one question at a time—but they're far less powerful, and unlike a real plan, they don't talk to each other or to your actual accounts.
Why these tools are free