Most people don't need more financial advice. They need to see the whole picture.
Nine honest calculators, a task list that knows which protections you're missing, and one place to hold what you own, owe, and have due — without a bank login, and without selling you anything.
Reference figures, not advice — each calculator lets you override every one of them. Inflation, mortgage, and Treasury update weekly from FRED; the S&P 500 figure is a manually reviewed long-run reference (no clean free feed for that one).
Why people stay stuck
None of these is a knowledge gap.You can't hold a line you can't see.
Obligations, balances, and due dates live in five apps and a drawer. Discipline fails for lack of a scoreboard, not willpower.
The math is hidden because the math is the product.
The calculator assumes 10% forever. The article is paid by the card it recommends. Whoever shows you the numbers profits from the answer.
The biggest lever has no salesperson.
Starting earlier beats every other decision, and nobody earns a fee on it — so no one shows you what waiting costs.
Progress is fragile.
One uncovered event erases a decade. The protections — emergency fund, term life, a will, beneficiaries — are boring, one-time, and unmonetized, so they stay undone.
Calculators
Nine tools. Each one shows its work.
What we do about it
Three things, each aimed at one of the failures above. A calculator answers a question; Plan holds what you still owe yourself; Vault holds what you already owe someone else.
Every assumption on the page, every default editable, reference rates refreshed weekly from FRED. Nothing to sign up for.
The protective tasks, filtered to your age, household, and income. Deterministic rules — you can read the one that put a task on your list.
Net worth, monthly obligations, runway, cash flow, goals — from numbers you type, never a bank feed. Overdue stays red until you say otherwise.