Retirement Gap
Compare projected savings with the amount needed to fund inflation-linked income.
Open Retirement GapIndependent personal finance analytics
Find the gap between the money you have and the plans you have made for it.
Financeinsight pairs live calculators with planning guides so you can see where you stand, how large a shortfall is, and which lever closes it fastest.
Start with the number that keeps you up at night
Change any input and the results update instantly. Use the compound interest tool to see growth, the payoff tool to see the cost of debt, and the gap analyzer to compare a plan with a goal.
Four deeper calculators for the big questions
Each tool shows the assumptions next to the result, so you can test a cautious case and an optimistic case before you change a contribution.
FIRE Index
See your portfolio as a share of the amount that would cover your spending indefinitely.
Open FIRE IndexDebt Snowball
Order several debts, roll payments forward and see the interest you could save.
Open Debt SnowballEmergency Fund
Size a reserve from your essential costs, income stability and household risk.
Open Emergency FundHow financial-gap analysis works
Most money questions come down to the distance between a projection and a target. We make that distance visible, then show which input closes it fastest.
- 1
Project where your plan ends up
Enter what you have, what you add and a cautious return. The tool grows it month by month.
- 2
Measure the target honestly
Goals are expressed in today's money and adjusted for inflation where the tool requires it.
- 3
Test the levers one at a time
Change saving, timeline or return separately to see which adjustment is realistic for you.
Planning guides across four topics
Investing, debt, retirement and household protection — written so you can act on the next number, not sit through a lecture.
Wealth building and investing
Compounding, allocation, costs and rebalancing.
Read four guidesDebt, credit and cash flow
Payoff order, credit reports, budgets and refinancing.
Read four guidesRetirement and independence
Retirement gaps, withdrawal rates, FIRE and inflation.
Read four guidesProtection and resilience
Emergency funds, insurance, risk and estate basics.
Read four guidesBuilt to be trusted with your numbers
We publish how we work so you can judge the results for yourself.
Editorially independent
No commissions, no sponsored rankings, no paid placement.
Read our policyTransparent method
Every formula and assumption is documented and reviewed.
See the methodPrivate by design
Calculator inputs stay in your browser and are never uploaded.
Our ethicsHuman support
Ask how a tool works or report an error and get a reply within two business days.
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