Tools

Run the numbers first — then decide what deserves a closer look

Every tool here is free: no sign-up, no email, all calculations done in your browser. They answer the same family of questions — given your numbers, is this worth further attention? Much of the time the answer is "not yet" — and the tools will say so.

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The tools show you the order of magnitude. Applying it to your own situation still involves residency, timing, and structure — judgment the calculators can't make. When a tool says "worth a closer look," we're glad to talk.