Calculators
Eight calculators covering the decisions that actually move your net worth — growth, taxes, retirement, and timing. Every one shows its formula and its assumptions; nothing is a black box.
Grow
The compounding engine, and its close cousin — dividends reinvested instead of spent.
Taxes & Accounts
What you actually keep after the IRS or the CRA take their share, and which account gets you there with the least handed over.
Retirement
The number you’re saving toward, and the point where you’re allowed to ease off before you hit it.
Strategy
One real question about timing, answered with real closing prices instead of an assumed return.
Every number above is clean math on your own inputs — no crash, no lost decade, no lucky entry. For what a real stretch of market history actually did, run the same dollars through theTime Machine, then bring the answer back to theDCA vs Lump Sum Backtest above, which pulls from the same real closing prices. And every call this site makes — ours and the bot’s — is marked against the index in the open on The Board, the same way these calculators show their formula instead of hiding it.