Money + Financial Planning

Factors in commute, prep time, stress, and hidden costs to reveal what you actually earn per hour.

Estimates annual out-of-pocket costs based on insurance, expected visits, and known conditions.

For risky moves like career changes or medical leave, calculates go/no-go based on savings and burn rate.

Combines market rate research with your leverage to generate negotiation range and scripts.

Structures decisions about big purchases with cost, financing, opportunity cost, and regret risk.

Measures months of runway for fixed expenses with suggestions to raise cushion or reduce obligations.

Compares spending against stated values with percentage breakdowns and change suggestions.

Generates keep/renegotiate/cancel recommendations with annual savings calculations.