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.
Member tools
- Obsidian Tracker — a multi-platform portfolio tracker organized by function slot.
- System Lab — compose redundancy-first systems from the library and score them live.
The framework behind them
Every tool is built on the redundancy-first money framework. Browse the platform library and the documented systems, or start with the free tools first path.