FiscalBytes
Money, modeled. Not guessed.
A small, growing set of calculators and essays for running the numbers on the big financial decisions, instead of trusting a rule of thumb you never actually checked.
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Tools
Everything runs in your browser. Nothing you type is collected, transmitted, or stored anywhere.
The Decommission Plan
A ten-years-out retirement simulator: build your projected balance, then stress-test how it draws down against your own return, inflation, and longevity assumptions.
Open the simulator →Mortgage Calculator
Compare loan terms side by side, see the real principal-vs-interest split, and dig into a full amortization schedule.
Open the calculator →Balance Transfer vs. Consolidation Loan
A 0% balance transfer card and a fixed-rate consolidation loan, run against the same monthly budget so you can see which one actually costs less.
Open the calculator →Derivatives, A Field Guide
What futures, options, swaps, and forwards actually are, why they exist, and the leverage risk sitting underneath all four.
Read the field guide →Bond Price & Yield Explorer
See why bond prices and yields always move in opposite directions, then build your own bond and watch duration and convexity respond in real time.
Open the explorer →Lottery Odds & ROI
Run a Powerball and Mega Millions quick pick, see exactly how long the real odds are, and compare buying more tickets to just investing the same money instead.
Run the numbers →More on the way
This site is very early. Additional calculators and write-ups land here as they're built.
Why this exists
Assumptions deserve a stress test
Most financial rules of thumb are a slider dressed up as a law. These tools exist so you can move the slider yourself and see what actually happens, before it's the number you're living on.