Fast answers for serious money choices
Stop guessing. Run the numbers.
Simulate major financial decisions before you commit.
- No accounts required
- No sales pressure
- Transparent assumptions
Choose your decision
Start with the question in front of you.
Each simulation is designed to give a practical answer, visible assumptions, and the trade-offs behind the result.Buy vs Rent
Should I buy, rent, or keep my cash flexible?
Main resultBreak-even timing and ending net worth gap.
Retirement
Am I on track for the retirement age I want?
Main resultPortfolio gap, target age, and depletion risk.
Debt Strategy
Which debt should I attack first?
Main resultPayoff order, interest saved, and debt-free date.
Job Offer
Which offer is actually better after time and taxes?
Main resultAfter-tax value, effective hourly pay, and horizon gap.
Independent by design
Clear math. No pressure.
Money Wizards is built for decision support, not lead generation.No sales pressure
Transparent assumptions
Independent tools
After the number
Need context after the check?
Read the short version, then go back to the tool.
Read guidesHousing Guide
How to Use a Mortgage Calculator Before You Buy
Learn how to use a mortgage calculator to test down payment, rate, amortization, and payment frequency before making a housing decision.
6 min read
Decision Guide
How to Compare Buying vs Renting Without Fooling Yourself
Use a buy vs rent framework that includes time horizon, opportunity cost, housing friction, and renter investing instead of comparing only monthly payment.
7 min read
Debt Guide
Debt Snowball vs Avalanche: Which Payoff Strategy Fits You?
Compare debt snowball and debt avalanche methods by interest savings, payoff speed, motivation, and execution risk before choosing a payoff strategy.
5 min read