I'm an engineer. I like numbers. I got tired of personal finance tools that quietly assume 10% returns forever, hide inflation behind a toggle you'd never find, and bury their methodology behind a "learn more" link that goes nowhere.
So I wrote my own. For myself first — these are the exact tools I use when I'm trying to figure out whether to pay off debt faster or invest the difference, or what my retirement actually looks like at current savings rates.
Every calculator on this site shows its work. Every assumption is labeled and editable. The formulas are documented. When I use a default rate for something like S&P 500 returns, I link the source.
The writing
The essays are personal. They're not investment advice — they're how I think through money decisions, written out. The GE story is real. The Roth IRA story is real. I write them because I find it useful to see how other regular people reason about this stuff, and I figure someone else might too.
Your data
The calculators can save scenarios to your browser's local storage or to your own Google Drive. I never see your numbers. There's no account, no sign-up, no tracking beyond the basics.