Tools
Calculators and planning tools. Everything runs in your browser — tools, not advice.
Education Cost Planner
Model education costs with editable growth and funding assumptions.
Open →Mortgage Payment Calculator
Estimate principal-and-interest payments with explicit assumptions and exclusions.
Open →Rent versus Buy Calculator
Compare scenario costs without assuming property appreciation.
Open →Freelancer Tax-Reserve Planner
Choose your own cash-buffer range from monthly revenue and expenses. This is not a tax estimate.
Open →Money Plan
Answer a few ranges and get a private 1/5/10-year roadmap with cash-flow, emergency-fund, allocation, and projection.
Open →Compound Interest Lab
See how contributions, time, fees, and inflation shape a hypothetical portfolio — with the lessons behind the curve.
Open →NISA Starter Planner
Check whether you are ready, see multi-horizon projections, and get the documents and questions to bring to a brokerage.
Open →Japan Budget Planner
Build a Japan-specific monthly budget, see essential vs discretionary, your savings rate, and an emergency-fund target.
Open →Emergency fund calculator
Target¥1,500,000
Gap¥1,000,000
Funded33%
A guide, not advice. Most households target 3–6 months of expenses.