Every tool here

Each one answers a single question and gives you a link you can send. Nothing you type is stored or sent anywhere.

The main one Drift calculator Set a target allocation, enter your real accounts, and see where this month's contribution should go to close the gap. Open the calculator → Fees What a fee costs A 1% fee sounds small next to a 7% return. Put your balance in and see what it takes out over thirty years. Open the fee calculator → Timing The cost of waiting Cash you have decided to invest and have not invested yet. See what the delay costs, and how often waiting won since 1926. Open the waiting calculator → Contributions What a savings rate buys How much you put in matters more than what you pick, at least early on. This shows how much more. Open the savings calculator → Time Compounding What one number turns into over a long stretch, shown as a spread of outcomes rather than a single tidy rate. Open the compounding chart → Leverage What leverage costs Borrowing doubles the return on paper. Financing and volatility take some of it back. See how much at the multiple you were thinking of. Open the leverage calculator → History Backtest and leverage lab Run a mix against monthly total returns back to 1926, then model margin, leveraged ETFs and LEAPS with their real financing costs. Open the backtest →

What these will not do

None of these know anything about you. They take the numbers you type, run the arithmetic, and show the answer. There is no account, no login, and nothing leaves your browser, which also means no tool here can tell you whether a plan fits your situation.

The projections use a fixed return you pick. Real returns arrive out of order, with drops along the way, and the historical pages say which series they used and how far back it goes.