Stop guessing with your money.Start planning.
Every tool, in one place
Trinity Study Retirement Planner
Find out when you reach financial independence, using the Trinity Study and 75 years of market history. Includes a scenario heatmap, variance analysis, and 7 charts.
Monte Carlo Retirement Simulator
10,000 simulations of different market scenarios to calculate your real probability of success. Visualize result distribution, percentiles, and success rate adjusted for volatility.
International Retirement Simulator
Plan to retire in another country with geographic arbitrage. Compare 20+ destinations considering real cost of living, taxes, visa requirements, and healthcare quality. See where your capital goes 2-3x further.
Coast FIRE Calculator
Calculate how much capital you need today to be able to work part-time (or a lower-paid job you love) and still reach your retirement goal. That is your number for partial freedom.
Debt Payoff Calculator
Have multiple debts? Compare avalanche (highest interest first) vs snowball (lowest balance first). See how much interest each costs and when you are debt-free.
Mortgage & Purchase Simulator
Compare buying vs renting with real numbers. Analyze different rates (fixed vs variable), terms (10-30 years), and prepayments. Calculate total real cost including alternative investment opportunity.
Multi-Scenario Comparator
Save unlimited simulations and compare them side by side (up to 10 at once). Visualize differences in time, required capital, and returns. Decide with all your scenarios in front of you.
Upload photos of receipts, bank statements, or invoices. AI automatically categorizes your expenses, identifies spending patterns, and highlights areas where you spend above average compared to similar households.
Unlimited Simulation History
Save every simulation you make, organize them by goals (retirement, house, education), and access your complete history to see your evolution over time.
Export a simulation as a PDF with every chart, table, and assumption. Share it with your partner or advisor, or keep it for your own records.
Every month I distill academic papers, books, and expert talks into formats you can act on: 10-minute videos, infographics, gym audio, and 2-page summaries. Saves 20+ hours of reading a month.
Emergency Fund Calculator
Determine your ideal financial cushion based on your fixed expenses, employment type, dependents, and risk tolerance. Includes construction timeline and strategies for where to keep the fund.
Not sure where to begin?
Start with the free retirement plannerWhat it costs
Nothing. Every tool is free, and I pay for what runs behind it. If Frugalist helps you and you want to help it grow, you can contribute.
Every tool, free
I built these tools to help, and I want anyone to be able to use them. Membership is free too: it keeps your simulations.
Coming soon
These will be free as well, when they are ready. I build them in the time I have.
How this is funded
By me. I pay for the servers and the domain out of my own pocket, and I build Frugalist in my spare time. Today it is a side project I care about, not a business.
If a tool here helped you and you want to help me keep it running and growing, you can contribute. Enough of that and one day I could work on this full time.