ZarWealth · Free Tools

Free calculators we built ourselves

No signup. No ads. No selling your data. We don't show our faces — we show the work. Every tool here was built and tested with real numbers by our small independent team.

Target-Date Fund Glide Path ExplorerCompare Vanguard, Fidelity & Schwab glide paths and the 20-year fee drag.Retirement Number CalculatorFind the real number you need to retire, adjusted for 2026.Roth vs Traditional IRA CalculatorSee which account actually wins for your income and timeline.Bank Fee CalculatorSee what fees and lost interest are quietly costing you each year.3-Fund Portfolio BuilderBuild a simple, diversified 3-fund allocation in seconds.12-Month Debt Payoff PlannerSee the monthly payment and interest to clear your balance in a year.AI Card-Comparison PromptGet the exact prompt to make AI compare cards against your real spending.AI Retirement Tool MatcherAnswer a few questions, get the AI planning tools that fit your situation.

New tools ship with most articles. See how we test at /how-we-test.