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Optimize Life's Biggest Financial Decisions

Simulate outcomes before committing.

Explore DecisionsBrowse Calculators

Available Tools

View all decisions

Buy vs Rent

Housing cost projection, opportunity cost, and break-even timeline.

Job Offer

Salary, bonus, equity, tax, commute, and time-value comparison.

Retirement

Age-based retirement readiness with portfolio survival projection.

Debt Strategy

Snowball vs avalanche payoff speed and total interest comparison.

Atomic Calculators

Focused financial calculators for compounding, loans, inflation, and FIRE targets.

The Problem

Big life decisions are expensive. Most tools give you a number, but numbers alone do not tell you what to do.

  • - Buying a home
  • - Changing jobs
  • - Taking on debt
  • - Retiring early

The Solution

Money Wizards helps you simulate decisions before you commit.

  • - Compare long-term outcomes
  • - Adjust assumptions in real time
  • - See trade-offs clearly
  • - Understand why results change

How It Works

  1. 1. Choose a Decision Engine
  2. 2. Adjust your assumptions
  3. 3. Explore scenario outcomes
  4. 4. Understand the trade-offs
  5. 5. Decide with confidence

Core Tools

  • - Buy vs Rent engine for housing decisions and break-even analysis
  • - Job Offer engine for compensation and time-value trade-offs
  • - Retirement engine for age-based readiness and portfolio survival
  • - Debt Strategy engine for snowball vs avalanche payoff optimization
  • - Atomic calculators directory for quick assumptions and math checks

Built on deterministic financial math powered by ratejs.

Philosophy

Life is full of trade-offs. The goal is not perfection. It is intelligent optimization.

  • - No black boxes
  • - No hidden incentives
  • - Clarity over complexity
  • - Not financial advice

Better tools - Better decisions - More freedom.