TOOLS
Thinking tools
A few simple tools to help you see the structure of time and cash flow more clearly. These are simulations to support decisions, not promises or forecasts.
Tip: try changing one variable at a time (duration, contribution amount, interest rate, repayment method) to feel the "sensitivity" of your financial plan.
Compound interest - long-term accumulation
See the power of discipline over time: contribute monthly and observe the growth table year by year.
Loan calculator - repayment schedule
Simulate debt repayment cash flow using different methods: declining balance, annuity, and flat interest.
PV / FV - time value conversion
"Translate" goals across time: calculate FV, convert PV, and estimate required monthly contributions.
Wealth Diagnostic – Financial CT-scan
Answer a few range-based questions to get a full picture: balance sheet, cash flow, 12 ratios, 6-axis radar, and a 3-step roadmap.
Lucky Wheel
Spin the wheel for a surprise gift - a fun tool to relax between financial decisions.
If you'd like another perspective on goals, timelines, or how to split cash flow between "accumulation" and "obligations", we can talk.