Obsidian Metrics decision tools explained: what each one answers, how it computes the result, and a worked example run on its own code. AI and money tools. Educational only.
Roth Conversion Calculator: In this hypothetical, the first $35,700 converts at a flat 22%; going to $40,000 adds $4,300 taxed at 24%.
Balance-Transfer Calculator: In this hypothetical, a true 0% transfer costs about $1,904 less in this model; the same terms as a deferred-interest offer cost about $250 more than staying put.
PMI Removal Decoder: In this hypothetical, the balance route is about 39 payments away, while the value route breaks even on the appraisal in 4 months.
Pension: Lump-Sum vs Annuity: In this hypothetical, the annuity implies about 4.01% a year to age 87, and the break-even age appears only at assumed returns of 2% or less.
401(k) Rollover Decoder: In this hypothetical, cashing out keeps $37,800 today, against $289,341 projected if rolled over; the fee gap alone is $49,250.