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STWLTH v1.0 · live build · privacy-first

Build wealth.
Stay quiet.

Financial simulators for people who'd rather compound than broadcast. No accounts connected. No data sold. Just the math that matters.

Manual entry only. We never touch your accounts. Privacy-first by design.
LIVE
01 · INPUTSDRAG →
Monthly invest$1,500
Horizon30 yrs
Annual return8.0%
Starting balance$10,000
02 · PROJECTIONt+30Y
$2,344,896
ending balance · nominal
Contributed
$550K
Gains
$1.79M
Millionaire at
year 21
CAGR
8.00%
Chart · balance by year
Total balanceContrib only
YEAR 15
$552,127
§ 02 · TOOLKIT

Ten simulators.
Each one does one thing well.

Scroll →
Or grid below
COMP·01FREE
Compound Growth Simulator

See how your investments grow over 40 years with compound interest, monthly contributions, and dividend projections.

No signupOpen
FIRE·01FREE
FIRE Number Calculator

Calculate your Financial Independence number based on your annual expenses and safe withdrawal rate.

No signupOpen
COAST·01FREE
Coast FIRE Calculator

Find out if you've hit Coast FIRE — the point where you can stop contributing and still retire on time.

No signupOpen
NEG·01🔒 PREMIUM
Salary Negotiation Impact Simulator

See how a raise today becomes $500K+ over 20 years when invested. The tool that makes you negotiate.

Preview availableOpen
JOB·01🔒 PREMIUM
Job Offer Comparison Tool

Compare two job offers on true total compensation — salary, bonus, RSUs, 401k match, and benefits.

Preview availableOpen
RENT·01🔒 PREMIUM
Rent vs Buy Simulator

Honest math on renting + investing vs buying. Accounts for property tax, maintenance, and opportunity cost.

Preview availableOpen
OMY·01🔒 PREMIUM
"One More Year" Calculator

See the financial impact of working exactly one more year. Helps you decide when to pull the trigger on FIRE.

Preview availableOpen
MORT·01FREE
Mortgage Calculator

See your full mortgage breakdown — monthly payments, amortization schedule, total interest, and payoff timeline.

No signupOpen
DEBT·01FREE
DebtLOC Payoff Simulator

The honest simulator for HELOC / velocity banking strategies. Shows you when it actually helps, when it doesn't, and how small the real benefit typically is vs simple extra payments. Free verdict, premium depth.

No signupOpen
TAX·01FREE
Tax Bracket Calculator

See your effective and marginal tax rates. Model how maxing your 401(k), HSA, and Traditional IRA changes your tax bill. Federal + FICA, 2024–2026.

No signupOpen
§ 03 · RECEIPTS

The green isn't your contributions.
It's your money making money.

One year of $1,500/month at 8% grows by ~$1,500. Thirty years later, the same $1,500 contribution is dwarfed by three decades of compounding. This is the whole game.

Simulators shipped
10
Free tools
5
Visualizations
12+
Data sold
$0
Compound · $1,500/mo · 8%30 YR HORIZON
0Y10Y20Y30Y$2.24M
ContributionsCompound gains
§ 04 · PRINCIPLES

Built different.
On purpose.

The quiet
wealth way

Privacy-first

Manual entry. No bank connections. No Plaid. No OAuth. Your data stays in your browser — we can't read it if we tried.

01 · NO PLAID

No noise

No ads. No affiliate links. No content marketing funnel. No newsletter asking you to 'compound your inbox.' Just tools that work.

02 · NO ADS

Made by builders

Built by a developer who uses these tools. We ship what we want to use. You benefit.

03 · DOGFOOD
§ 05 · PRICING

Three plans.
That's it.

No enterprise.
No comparison table.
FreeTier 01

Honest math on the decisions people actually ask about.

$0/forever
no credit card · no account
  • 6 free tools
  • 1 saved scenario per tool
  • No sign-up required
  • Installable app — works offline
Start free
PremiumTier 02

Unlock all tools and save more scenarios.

$7.99/mo
or $69/yrSave 28%
  • All 10 tools
  • 10 saved scenarios per tool
  • Shareable scenario links
  • Salary, job offer, rent vs buy, and more
  • Advanced mode on more tools
  • Installable app — works offline
Start with Premium
UltimateTier 03

For serious FIRE planners. No limits.

$14.99/mo
or $129/yrSave 28%
  • All 10 tools
  • Unlimited saved scenarios
  • Shareable scenario links
  • PDF & CSV export
  • Advanced⁺ mode — enhanced settings & rate controls
  • Monthly net worth tracking with FIRE progress
  • Installable app — works offline
  • Priority support
Go Ultimate
$0 · START BUILDING

Your future
is doing the math_

Right now, in the background, compounding is making its decisions. Make yours.