// I build tools that do the math so you don't have to.
I'm Jack. I spent years building financial software at scale. Now I build the tools I wished existed — calculators, optimizers, and systems that turn financial complexity into clear decisions.
Everything here is free, open, and built without affiliate incentives. I read the fine print, run the numbers, and publish what I find — even when it's not what the industry wants you to hear.
Most people focus on one. The ones who build lasting wealth cover all four.
The psychology of financial success. Behavioral finance, habits, and decision-making frameworks.
Making money work for you. Income growth, investing, side hustles, and career pivots.
Building systems that work while you sleep. Credit optimization, rewards stacking, and automation.
Keeping what you've built. Tax optimization, insurance, risk management, and legal structures.
Calculate your path to financial independence — coast, lean, or full FIRE.
Coming SoonOptimize when to claim Social Security for maximum lifetime benefits.
Coming SoonAnswer 3 questions, get the exact Bilt card that maximizes your rent + spending rewards.
LiveEnter your spending. Get the 3-card combo that earns 2-3x more rewards than a single card.
Try ItSee exactly how much your cash earns across top savings accounts — stop leaving money on the table.
Coming SoonCalculate the true value of credit card rewards on your actual spending.
Coming SoonUnderstand how interest rate caps affect your investments and savings.
Coming SoonTrack rotating category bonuses across all your credit cards.
Coming SoonNavigate the ACA subsidy cliff — avoid the $60K trap with smart planning.
Coming SoonCalculate your potential student loan forgiveness tax bomb and plan ahead.
Coming SoonNew tools, number breakdowns, and strategies I'm actually using — delivered when they're ready, not on a schedule.
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I'm building 40+ free calculators. Get notified when the next one drops — plus the breakdowns behind them.