Build Your Investment Stream
Thirty-five calculators for optimizing the investment income stream of your Predictable Income plan. From compounding math to tax-advantaged accounts to portfolio stress tests, built for knowledge workers in wealth-building mode.
Compound Interest Calculator
See how your money grows over time with the power of compounding, with or without regular contributions.
Calculate compound growth →Future Value Calculator
Project what a lump sum or recurring investment will be worth at any point in the future.
Project future value →Real Return Calculator
Strip inflation out of your nominal returns to see what your portfolio is actually earning in purchasing power.
See real returns →Millionaire Timeline Calculator
Pinpoint the exact year you'll cross $1M, $2M, and $5M based on your current savings trajectory.
Find your milestones →Rule of 72 Calculator
A back-of-napkin estimator for how long it takes your investments to double at any return rate.
Calculate doubling time →Net Worth Growth Rate Calculator
Track annual net worth growth and see whether gains are coming from your savings rate or market returns.
Analyze your growth →Dollar-Cost Averaging Calculator
Model the long-term outcome of investing a fixed amount at regular intervals regardless of market conditions.
Model DCA returns →401(k) Contribution Optimizer
Find the optimal 401(k) contribution to capture your full employer match and minimize your tax bill.
Optimize contributions →Roth vs Traditional IRA
Compare Roth and Traditional IRA outcomes based on your current and expected future tax rates.
Compare IRA options →Backdoor Roth Calculator
For high earners over the Roth IRA income limit. Model the backdoor conversion process and tax impact.
Model the backdoor →Mega Backdoor Roth Calculator
Unlock after-tax 401(k) contributions and in-plan Roth conversions for up to $46,000 extra per year.
Size the opportunity →HSA Triple Tax Advantage Calculator
Quantify the long-term value of maxing out an HSA and investing the balance instead of spending it.
Calculate HSA value →Roth Conversion Ladder Calculator
Plan the five-year ladder that lets early retirees access traditional retirement funds penalty-free.
Build your ladder →Employer Match Left on the Table
See the cumulative lifetime cost of not contributing enough to capture your full 401(k) match.
Find the lost money →Portfolio Allocation Analyzer
Analyze your current asset allocation and compare it against age-based and risk-based benchmarks.
Analyze your allocation →Asset Allocation Rebalancer
Enter your current holdings and target allocation, get exact buy and sell amounts to rebalance your portfolio.
Rebalance your portfolio →Stock vs Index Fund Comparison
Model the long-run outcome of stock picking versus passive index investing, accounting for fees and trading costs.
Compare strategies →Asset Location Optimizer
Determine which accounts should hold which assets (bonds, REITs, stocks) to minimize your lifetime tax drag.
Optimize asset location →Dividend Income Projector
Project future dividend income from your portfolio, including reinvestment growth and yield changes over time.
Project dividend income →Passive Income Target Builder
Work backwards from your monthly passive income goal to find the portfolio size you need.
Build your income target →Investment Fee Drag Calculator
Quantify exactly how much high-fee funds cost you over a lifetime versus low-cost index alternatives.
See the fee impact →Expense Ratio Comparison
Side-by-side comparison of up to four funds showing total cost over your investment horizon.
Compare expense ratios →Tax-Loss Harvesting Calculator
Estimate the tax savings from strategically realizing losses to offset capital gains in your portfolio.
Estimate tax savings →Capital Gains Tax Calculator
Calculate the federal tax owed on short-term and long-term capital gains, adjusted for your income bracket.
Estimate capital gains →Tax-Adjusted Return Calculator
See what your headline 8 percent return actually becomes after federal, state, and dividend taxes.
See after-tax returns →Rental Property Cash Flow
Analyze the true cash flow, cap rate, and ROI of any rental property investment.
Analyze rental ROI →House Hack Calculator
Live in one unit, rent the others. Model whether buying a duplex or triplex beats renting or a single-family home.
Run house hack numbers →BRRRR Strategy Calculator
Buy, rehab, rent, refinance, repeat. Model each stage of the BRRRR method with cash recovery and new ROI.
Model BRRRR →REIT vs Direct Real Estate
Passive REITs or active landlord. Compare both paths on after-tax returns, time commitment, and liquidity.
Compare both paths →Side Income to Investment Calculator
Map freelance and side-income dollars directly to portfolio growth. Connect your freelance stream to your investment stream.
Connect the streams →Market Timing Cost Calculator
Quantify the hidden cost of sitting in cash waiting for "the right moment" to invest. Historical lump sum vs. DCA vs. cash.
See the timing cost →Contribution Gap Calculator
Life happens. See the long-term impact of pausing contributions for one, two, or five years during a job loss or sabbatical.
Model a pause →Portfolio Drawdown Calculator
Stress test your portfolio against 20, 30, and 40 percent drops to see if you can stomach the downside.
Stress test your portfolio →Bear Market Recovery Calculator
Project how long it takes your portfolio to recover from drops of various sizes based on historical returns.
Model recovery time →Net Worth Tracker & Projector
Input your assets and liabilities, then project net worth growth under different savings scenarios.
Track your net worth →Get the Predictable Income Starter Bundle
The book summary, the 100+ slide Income Roadmap deck, the Consulting Services Business Examples eBook, and the Income Operator Book Summaries. Everything you need to put the framework to work.
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