WealthDeck is a free suite of personal-finance calculators — for retirement, financial independence (FIRE), mortgages, and portfolio risk. Every calculation happens locally in your browser using JavaScript: there is no sign-up, no account, and no server. Your income, savings, portfolio, and mortgage figures never leave your device, which makes WealthDeck genuinely private in a way most finance tools are not.
Retirement Calculator — for anyone asking "how much do I need to retire?" It projects your savings to your target age using compound interest and shows the answer in both nominal and inflation-adjusted dollars, plus your income at the 4% safe withdrawal rate.
FIRE Calculator — for people pursuing early retirement. It finds your FIRE number (25× annual spending), your savings rate, and the exact number of years until work becomes optional.
Mortgage & Amortization Calculator — for home buyers and owners. It shows your monthly payment, total interest, and payoff date, and models how extra monthly or yearly payments cut years and tens of thousands of dollars off the loan.
Portfolio Stress-Tester — for investors who want to know how their allocation behaves in a crisis. It simulates Fed rate hikes and inflation shocks and reports the effect on expected return, volatility, Sharpe ratio, and drawdown.
Money decisions have an order. If you are just getting organised, the sequence that works for most people is: build an emergency fund, clear high-interest debt, get the mortgage decision right, start investing in low-cost index funds, then use the retirement and FIRE calculators to set targets, and finally stress-test the result. We walk through all seven steps — each with the right calculator — in The DIY Financial Plan.
Most budgeting apps and retirement tools ask you to create an account and hand over your real numbers, which are then stored, analysed, and often used to market financial products back to you. WealthDeck takes the opposite approach. There is no backend and no database. The calculators load once and then work entirely offline — you can disconnect from the internet and they still run. Nothing you type is transmitted, logged, or sold.
Are these calculators really free? Yes. Every tool is free with no sign-up. The site is supported by unobtrusive advertising, not by selling your data — because we never receive your data in the first place.
How accurate are the results? The calculators use well-established financial models — compound growth, the 4% safe withdrawal rule, standard mortgage amortization, and multi-factor risk sensitivities — with sensible default assumptions you can change. They are estimates for planning and education, not predictions or personalised advice.
Do I need to install anything? No. WealthDeck runs in any modern browser on desktop or mobile. There is nothing to download.
Can I use these on my phone? Yes — the tools are responsive and work on phones and tablets. You can type exact values into any field or drag the sliders.
Beyond the calculators, our personal finance blog covers the fundamentals in plain English: compound interest, emergency funds, index funds, the 4% rule, the FIRE movement, and why cash is a poor long-term investment.
WealthDeck provides educational tools only and does not give financial advice. See our Terms & Disclaimer, Privacy Policy, About page, or Contact us.