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Tools that do the maths.

Eight calculators. Everything runs in your browser, nothing gets sent anywhere, and nobody calls you afterwards. Move a slider and watch your future change.

tools – zsh

$ ls ~/tools
✓ pension-gap
✓ compound-interest
✓ fire
✓ fund-fees
✓ inflation
✓ dividend-income
✓ withdrawal
✓ earn-more
# all free. go play.

$ pension --reality-check Pension gap What the state promises, what the budget can afford, and the hole in between. Open $ compound --monthly 300 Compound interest What a boring monthly savings plan turns into. Before and after inflation. Open $ freedom --when Freedom number Your savings rate decides when you’re financially free. Not your boss, not a ministry. Open $ fees --compare Fund fees What 1.5% a year costs you over 30 years. Sit down first. Open $ inflation --years 30 Inflation What your money buys in 10, 20, 30 years. The tax nobody had to vote for. Open $ dividends --monthly Dividend income How much capital a monthly payout needs. And how it grows. Open $ withdraw --how-long Withdrawal How long your money lasts when you start taking it out. Open $ earn --vs-save Earn vs. save Skip the latte or raise your income? Let the numbers fight. Open

Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.