Finance · Money · Planning
Your money,
calculated clearly.
Seven interactive finance tools that do the maths with you: see your exact debt-free date, your FIRE number and how far away it is, where your budget leaks, whether renting or buying wins for your numbers, and what your portfolio actually costs you.
§ All finance tools
06 · FIN
Net Worth + FIRE Planner
Know your number, when you hit it, what changes if you save more, when you can coast, and whether debt comes first. 4 AI actions, one snapshot.
Open →10 · FIN
Rent vs Buy Calculator
The actual numbers on the biggest financial decision you'll make.
Open →11 · FIN
Finance Coach
A finance coach that answers using your real numbers. Built on 75 expert prompts across debt, investing, FIRE, and tax.
Open →§ Guides for this category
10 MIN
Index funds vs ETFs: the real differences and which to pick
Most ETFs are index funds, and most index funds and ETFs track the same indexes. The real question is structure: which one fits how you invest in 2026.
Read →9 MIN
How much emergency fund do you actually need?
The 3, 6, or 12 month emergency fund question answered as a personal risk calculation. A decision framework, a worked example, and where to keep the cash.
Read →9 MIN
Debt snowball vs avalanche: which actually saves more money?
A full worked example on $26,000 of debt at a $600 monthly budget. See the total interest, payoff date, and dollars saved for each method, then the honest answer.
Read →7 MIN
How to calculate your FIRE number with high inflation
High inflation breaks simple FIRE math. Use real returns, inflate target spending, and stress-test the 4 percent rule, with a full worked example.
Read →5 MIN
What ChatGPT doesn't know about your money (and Blacknave does)
ChatGPT can explain compound interest in plain English. It cannot tell you whether to pay off your card or invest your bonus, because it doesn't see your numbers. Here is what changes when AI does.
Read →5 MIN
How tracking your debt makes your budget smarter (and vice versa)
Most people who track debt don't know their real surplus. Most people who track a budget don't know their debt-free date. Two halves of the same problem. Here is what changes when the tools share data.
Read →7 MIN
How to pay off credit card debt fast: the order, the math, and the trap
Credit card debt costs you more than any other consumer debt. Here is the exact strategy to clear it fastest, with the math and the trap most people fall into.
Read →5 MIN
How to calculate your debt-free date (and what changes it most)
Your debt-free date is the single number that tells you whether your plan is working. Here is how to calculate it for any debt, and the variables that move it most.
Read →8 MIN
Rent vs buy: the calculator math no one shows you
The honest math behind renting vs buying a home. Includes the hidden costs of ownership most calculators leave out and the breakeven year that actually matters.
Read →5 MIN
What's a good FIRE number? (and how to actually calculate yours)
How to calculate your FIRE number using the 4% rule, what counts as a realistic target by income, and the trap of over-estimating expenses.
Read →8 MIN
How to calculate your FIRE number (and when you can actually retire)
A step-by-step guide to calculating your FIRE number, understanding the 4% rule, and working out your real timeline to financial independence.
Read →Free · Every tool included
All 7 finance tools,
included.
One free account gives you every tool across all four categories. AI coaching on every product. No card required.