THE TOOL BOX · ALL FREE · NO EMAIL WALL
Field math. Two inputs, fifteen seconds, one number.
Every tool here passes the Job Site Test: usable one-handed, on a phone, before the coffee's cold. All projections illustrative* — education, not personal advice.
● LIVEFIG. 01
THE TRUCK SPREADOne monthly payment, priced in 30-year dollars. The math they don’t show you at the dealership.RUN YOUR NUMBERS →● LIVEFIG. 02
COMPOUNDMonthly amount, years, optional starting balance — watch contributions and growth split apart.RUN YOUR NUMBERS →● LIVEFIG. 03
EMERGENCY FUNDThe backup generator, sized to your work. W-2, seasonal, or 1099 — and how long to fill it.RUN YOUR NUMBERS →● LIVEFIG. 04
SAVINGS RATEWhat percentage of your take-home actually stays. 10 / 20 / 30 — and the stretch tier past that.RUN YOUR NUMBERS →● LIVEFIG. 05
STACK CHECKERSix yes/no calls, in order, to find the one next move that matters most right now.RUN YOUR NUMBERS →● LIVEFIG. 06
WORST-MONTH BUDGETBuild the budget that holds when the hours get cut. Every good month builds the stack.RUN YOUR NUMBERS →● LIVEFIG. 07
RAISE VS. SIDE WORKWhich dollar is worth more after taxes: the raise you’re owed or the Saturday job?RUN YOUR NUMBERS →● LIVEFIG. 08
OVERTIME TAKE-HOMEWhat a Saturday actually pays after taxes — and what it could build if you bank it.RUN YOUR NUMBERS →● LIVEFIG. 09
THE DEBT TEARDOWNSequence your debts like a demo job: what comes down first, and why.RUN YOUR NUMBERS →● LIVEFIG. 10
NET WORTHEverything you own minus everything you owe. One honest number — no targets, no benchmarks.RUN YOUR NUMBERS →● LIVEFIG. 11
RETIREMENT NEEDS + THE BRIDGESize the nest egg, then run the bridge math for retiring before the pension kicks in.RUN YOUR NUMBERS →*ALL PROJECTIONS ILLUSTRATIVE AT AN ASSUMED 7% AVERAGE ANNUAL RETURN, COMPOUNDED MONTHLY. NOT PREDICTIONS OR PROMISES.