What the economy means for your money
Private calculators that turn the headlines into your numbers — income percentile, the real value of a raise, what house you can afford, your recession-readiness score, and what a Fed move costs you. No signup; the math runs on your device.
Tools
The economy, in your dollarsNational averages don't pay your bills. Put your own numbers in. Fill the profile once and the personalised tools run off it — everything stays on this device, nothing is sent anywhere.
Your money profile Private · saved only in this browser
Enter these once. The tools below use them. No account, no server — the math runs on your device and the numbers never leave it.
Was my raise actually a raise?
Compares your pay increase against inflation to show what happened to your real buying power.
What house can I actually afford?
Uses today's real mortgage rate. Includes the taxes and insurance most calculators quietly ignore.
Emergency fund: how long could I last?
In a low-hire economy, the length of a job search matters more than the odds of losing the job.
Cash vs. investing: what inflation does
What happens to money sitting still, at current inflation, over time.
Where do you stand?
The question nobody answers straight: for a given household income, where does it sit among all US households?
The money time machine
What was your money really worth? See the exact bite inflation took out of a dollar since any year back to 1960.
What a Fed move actually costs you
The news says "25 basis points." Here's what a rate change does to your dollars — using your profile above.
How recession-proof are you?
A resilience score built from your profile — where you're strong, where you're exposed. A planning framework, not advice.
Percentiles use recent US Census household-income data; the time machine uses annual CPI-U (some years interpolated). Both are close approximations for orientation, not exact figures. Nothing you type is stored or transmitted — clear it any time with the button above.