Spreadsheets That
Show Their Work
Carefully built Excel and Google Sheets tools for financial independence, caregiving, and health tracking — where every formula is visible and every assumption is yours to change. Plus free calculators you can use right now.
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Spreadsheets and printables built the way I'd want to use them: no locked cells hiding the logic, no monthly fee, no account required.
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Spending Phases Planner
Model retirement the way it actually unfolds. Set a separate spending level for your Go-Go, Slow-Go, and No-Go years and watch the portfolio curve respond — including a shortfall warning if the money runs out before you do. The planner behind the three phases described below.
FIRE Roadmap Pro
Work out your FIRE number, your FIRE date, and exactly how much a few small changes move it. Models Lean, Regular, and Fat FIRE side by side, with a Debt Bridge that accounts for loans still running when you stop working.
CareTrack
One dashboard for the person you're caring for: blood pressure and glucose trends, medication adherence, weight change, upcoming appointments, and refill flags that warn you before the pharmacy run becomes urgent.
VisitReady
Turn months of readings into a single page your doctor can actually scan in the two minutes they have. Pick a 30, 60, 90, or 180-day window and the whole report recalculates — averages, highs and lows, medication changes, and your questions.
VisitReady Printable
The no-spreadsheet version. A two-page, large-print form you fill in by hand and take to the appointment — readings, current medications, how you've been feeling, and the questions you don't want to forget to ask.
Your spending won't be a flat line
Most planning assumes one spending number stretched across 30 years. In reality, retirement moves through three distinct phases — and knowing which one you're in changes the math.
Go-Go Years
The active early years: travel, hobbies, helping the kids, the things you retired for. Discretionary spending is at its highest — and a realistic plan should expect that, not assume you'll live lean from day one.
Slow-Go Years
The pace eases. Less long-haul travel, more time close to home. Spending typically settles 20–30% below the Go-Go years — which can meaningfully extend how long a portfolio lasts.
No-Go Years
Activity slows further, but healthcare and potential long-term-care costs can rise. Discretionary spending falls while medical costs climb — two curves moving in opposite directions.
Treating retirement as three phases instead of one flat number usually changes the answer — often for the better, since the expensive years come first and the frugal years last longer than people expect. The Spending Phases Planner lets you put your own numbers against each phase.
Calculators you can use right now
Both run entirely in your browser. Nothing is sent anywhere, no email required.
RMD Calculator
Calculate your Required Minimum Distributions year by year from the official IRS Uniform Lifetime Table. Applies the correct SECURE 2.0 start age automatically and switches to the Joint Life Table when your spouse is more than 10 years younger.
Open the calculatorMortgage Payoff Calculator
See exactly when your mortgage will be paid off from your current balance and the principal/interest split on your statement. Add extra principal to see how much time and total interest you'd save.
Open the calculator"I build these because every tool I tried either hid its math, locked it behind a subscription, or pushed me toward an advisor. I wanted spreadsheets where every formula is visible and every assumption is mine to change — so I built them for myself first, then cleaned them up so other people could use them too."
Built to Be Read,
Not Just Run.
Every tool in the shop is a one-time purchase you own outright.
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