Financial planning tools, no login required.
Quick calculators built by a CFA charterholder and CFP professional. Use them as-is, or pair them with a full plan inside Waterfall Planning.
Savings Priority Guide
Answer a few questions about your debt, emergency fund, and employer match, and get a prioritized list of where your next dollar should go.
Use ToolEmployer Match Review
See how much free money you leave on the table if you do not contribute enough to capture your full employer 401(k) match.
Use ToolSavings Rate Calculator
Calculate what percentage of your income you are actually saving and see how your rate compares to common retirement planning benchmarks.
Use ToolStock Option Analyzer
Understand what your RSUs, ISOs, or NSOs are actually worth after taxes. See estimated net proceeds and plan around vesting dates.
Use ToolFinancial Stress Cost Calculator
Estimate what employee financial stress is costing your organization each year in lost productivity, healthcare claims, and turnover.
Use ToolWhy are these free?
Most financial planning software hides basic calculations behind a paywall or requires you to link your bank account before you can get a straight answer. These tools are standalone, no-login utilities anyone can use.
If they are useful, you may want the full planning platform -- connected budgeting, savings goals, and retirement projections in one place. If not, these tools still work.
Built by a CFA charterholder and CFP professionalReady for a full plan?
Move beyond single calculators. Waterfall Planning connects your budget, savings goals, and retirement projections into one forward-looking plan -- no bank linking required.