Focused tools
Start with a decision you can document
These tools were retained because each answers a different planning question and produces a result you can reconcile with current records.
2026 HSA contribution limit
Combine employee, employer, catch-up, and eligibility-period inputs without exceeding the applicable annual limit.
Open calculator HealthOut-of-pocket maximum estimate
Model qualifying in-network cost sharing and see what may not count toward the plan maximum.
Open calculator HomeInsurance-to-value ratio
Compare the dwelling limit with a reconstruction estimate without confusing market price or land value with rebuild cost.
Open calculator AutoDeductible cash-flow test
Compare premium savings with the amount you would need to pay immediately after a covered loss.
Open calculator BusinessBusiness interruption need
Build a restoration-period cash requirement from continuing expenses, lost margin, and temporary operating costs.
Open calculatorCollections
Four coverage areas, intentionally limited
Draft and historical pages stay outside the public index until they offer a distinct method, stronger evidence, and a maintained user experience.
Health
Plan limits, HSA eligibility, member cost sharing, and the records needed to reconcile an estimate.
Review health toolsHome
Reconstruction value, policy limits, deductibles, and the difference between market value and insurable cost.
Review home toolsAuto
Premium-versus-deductible decisions using written quotes and a realistic emergency-fund test.
Review auto toolsBusiness
Closure-duration and continuing-expense planning grounded in current financial statements.
Review business toolsSource-backed reading
Guides for the records behind the estimate
The guide collection explains how to collect evidence, compare matched scenarios, and document unresolved policy questions.
Health insurance basics
Connect premiums, deductibles, networks, and the out-of-pocket maximum in two realistic use cases.
Claim documentation
Build an evidence timeline with photos, receipts, mitigation records, and written communications.
Auto coverage comparison
Match drivers, vehicles, limits, deductibles, and endorsements before comparing price.
Small-business exposure register
Map property, operations, contracts, payroll, data, and interruption dependencies to coverage questions.
Home policy evidence
Prepare a reconstruction estimate, inventory, deductible schedule, and endorsement review.
Deductible cash-flow test
Separate ordinary and catastrophe deductibles and record the quote behind each option.
A repeatable process
Do not let one output make the decision
A calculator is useful only when its assumptions can be checked and its result can be challenged.
Collect
Use current plan documents, declarations, quotes, inventories, and financial records.
Match
Keep limits, deductibles, people, property, and time periods consistent across alternatives.
Stress-test
Run a less favorable scenario and identify the assumption that changes the answer most.
Verify
Confirm eligibility, exclusions, sublimits, and effective dates in writing before acting.