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Rule of 72 Calculator

The Rule of 72 is the quickest way to see how long it takes for money to double. Divide 72 by your annual return rate and you get the number of years. At 6 percent, money doubles in 12 years. At 9 percent, it doubles in 8. Use it to compare savings accounts, investment options, or how fast debt grows against you.

$
%
7%
1%20%

Your money doubles in

10.3

years

$10,000 → $20,000

How it works: Divide 72 by your interest rate. At 7%, money doubles every ~10.3 years.

10 yrs

$20K

vs $11K @ 1%

20 yrs

$39K

vs $12K @ 1%

30 yrs

$76K

vs $13K @ 1%

40 yrs

$150K

vs $15K @ 1%

50 yrs

$295K

vs $16K @ 1%

60 yrs

$579K

vs $18K @ 1%

Why 1%? Most checking and savings accounts pay around 1% or less. The line under each cell shows what the same dollars would be worth there.

4 Buckets Budget Planner

Most budgets fail because they have too many categories. The 4 Buckets approach simplifies money down to four jobs: keeping the lights on (Expenses), enjoying your life (Fun), being ready for surprises (Emergency Fund), and building toward the future (Retirement). The Emergency Fund target is three months of income, the standard starting point most planners recommend.

$
Bucket 1: Expenses & Bills$2,500 (50%)
Bucket 2: Fun & Entertainment$500 (10%)
Bucket 3: Emergency Fund$500 (10%)
Bucket 4: Future / Retirement$500 (10%)
ExpensesFunEmergencyFuture
$1,000 unallocated

Emergency Fund Goal (3 months of income): $15,000. At $500/month, you reach it in 30 months.

Retirement Gap Finder

Retirement planning starts with one question: how much do I need? This tool gives you a quick projection by comparing two numbers. The Projected number is what your current savings plus monthly contributions might grow to at a hypothetical 6 percent return. The Need number is how much you'd actually withdraw if you took your stated monthly income for 25 years. The Gap is the difference. If you have a gap, you have time. If you have a surplus, you have room to breathe.

Projected at Retirement

$803,386

at 6% hypothetical growth

Estimated Need (25 yrs)

$1,500,000

$5,000/mo × 25 years

Your Gap

$696,614

Additional savings needed

Hypothetical 6% return. Brian is licensed in life insurance, not securities. For personalized retirement planning, consult a licensed professional.

DIME Coverage Calculator

DIME stands for the four things life insurance is meant to cover. Debt your family would inherit. Income they would lose, multiplied by the years to replace it. Mortgage that needs to be paid off. Education costs for any children. Add them up and you get a starting coverage number. It is a rough estimate, not a recommendation.

Debt

$25,000

Income

$600,000

Mortgage

$200,000

Education

$100,000

DebtIncomeMortgageEducation

Estimated Coverage Needed

$925,000

These tools use simplified calculations and hypothetical rates of return for educational purposes. Actual results will vary. Brian is a licensed life insurance agent and works with families on insurance-based strategies. These tools are not investment, tax, or legal advice. For numbers tailored to your situation, book a free Clarity Session.

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Talk through your real situation.

These tools are a starting point. A free Clarity Session is the fastest path for financial education or life insurance questions — your numbers, your goals, your timeline.