The math is complicated. Plotting your course shouldn't be.
Financial independence shouldn't take a finance degree. Real planning means real math — how a mortgage payoff changes your timeline, what order to pay off debt, when you can actually retire. That math gets complicated fast, and most calculators skip it. They give you one oversimplified number, or a spreadsheet only an accountant could love.
We do the math for you — the full version, done right — then hand you back something simple: a clear direction. What started as one calculator has grown into a full toolkit: net worth, debt payoff, spending, mortgage vs. invest. All pointed at the same goal — getting you to financial freedom as fast as your numbers allow.
What we mean by "compass"
Principles
Local-first, always
Every number you enter stays in your browser's storage. There's no login because there's nothing to log into — no server ever sees your data.
Simulation over shortcuts
Where a static formula would overshoot or undershoot — a mortgage getting paid off, a debt snowballing down, a pension starting later — we simulate the real path instead.
Modular tools, one dashboard
Each calculator is independent and publishes a small, standard set of readings. The dashboard just adds up whatever you've opened.
Yours to take with you
Export a backup from any tool, or all of them at once, and move your data to another browser or device whenever you want.
Roadmap
A note on advice
FI Compass is a set of calculators, not a financial advisor. It runs the math on the numbers you give it — it doesn't know your full situation, and it isn't a substitute for professional advice on taxes, investments, or your specific circumstances.