Tools — Obsidian Metrics

Free, no-login calculators built on the redundancy-first framework, plus the member Tracker and System Lab. Educational only, not financial advice.

Free calculators

After-Tax Yield Calculator — sort 23 publicly-quoted platform yields by what you keep after federal and state tax.
After-Tax Yield by State — a 2025 state-rate reference with a worked example for every US state.
Best Savings Rates — high-yield savings, cash, and Treasury rates ranked by after-tax value.
Where to Invest — brokerages, robo-advisors, and index-fund families compared, with a compound-growth projector.
Roth vs Traditional IRA — the decision compared side by side, with an equal-cost after-tax projector.
401(k) Employer Match Calculator — see the free money left on the table below the full-match threshold.
Emergency Fund Calculator — size the cash buffer from your essential monthly expenses.
Debt Snowball vs Avalanche Calculator — compare both payoff orders on your own numbers.
Best Budgeting Method — 50/30/20, zero-based, and pay-yourself-first compared, with a split calculator.
How to Automate Your Finances — the paycheck waterfall, with a compound-growth calculator.

Obsidian Tracker — a money tracker you fill in yourself, with totals by pay period, platform and month.
System Lab — compare platforms and reference systems, and build your own with a live preview and a stress test.