DECISION SUPPORT, MUTANT-GRADE

Think clearly about
life's biggest decisions.

Interactive financial models that turn complexity into clarity — so you can see outcomes before you live them.

Explore the tools Start free
16
Interactive tools
50+
States covered
0
Ads before your result
NET WORTH · EXAMPLE
+4.8%
$0
+$11,240 this quarter · Coast FIRE at age 47
SAVINGS
$4,280
+12%
SPEND
$3,140
−8%
INVEST
$1,600
+22%
MUTANT FINANCE — AVAILABLE NOW

Sixteen tools.
One mental model.

Our first suite focuses on personal and small-business finance — where small decisions compound dramatically over time.

FREE

Compound Interest Calculator

See how your money grows over time with different contribution strategies and rates.

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FREE

Index Fund Growth Visualizer

Simulate historical returns and volatility for popular index ETFs like VOO, VTI, VT, and QQQM.

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FREE

Household Budgeting System

Allocate resources under constraints with AI-powered optimization and flexibility analysis.

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FREE

Gambling Spend Redirect

See the wealth gap between playing the odds and owning the market. Redirect toward real wealth.

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FREE

Retirement Strategy Engine

Decumulation planning with Roth conversions, tax optimization, and sequence risk analysis.

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FREE

Coast FIRE Calculator

Find out if your current savings will grow to your retirement number on their own — no more contributions needed.

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FREE

Net Worth Engine

Track assets and liabilities, analyze liquidity, and visualize your financial trajectory.

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FREE

Rent vs Buy Reality Engine

Compare renting vs buying with opportunity cost, maintenance drag, and tax treatment.

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FREE

Debt Paydown Optimizer

Compare avalanche vs snowball strategies with psychological weighting and opportunity cost.

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FREE

Geographic Arbitrage

Calculate wealth-building potential by comparing income, taxes, and cost of living across all 50 states.

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PRO

S-Corp Investment Optimizer

Maximize retirement contributions while optimizing your S-Corp owner compensation.

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FREE

S-Corp Optimizer

Calculate self-employment tax savings and find your ideal salary/distribution split.

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FREE

Capital Gains Tax Estimator

See how much stock you can sell before each tax cliff — models the 0/15/20% brackets, NIIT, IRMAA, ACA, and Virginia tax for 2026.

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FREE

Car Affordability Calculator

Understand the true cost of vehicle ownership including depreciation and opportunity cost.

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FREE

Financial Personality Quiz

Map your money instincts to one of six investor archetypes — from patient Accumulator to high-conviction Visionary.

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PRO

What's Your Why

Eight reflective questions that surface what actually drives your money decisions — reflected back as a personal read on your relationship with money.

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HOW WE THINK

The goal isn't prediction.
The goal is better judgment.

Most advice is static.
Money Guy Mutants is interactive, scenario-based, and personal.
Most tools give answers.
Money Guy Mutants gives context.
Most platforms optimize for engagement.
Money Guy Mutants optimizes for clarity.
PRICING

Simple, honest pricing.

Pick the plan that matches where you are today. No countdowns, no traps.

Free

For exploration and curiosity.

$0/ forever
  • Access to core calculators
  • Limited scenarios
  • Ideal for learning the models
Start free
Most popular

Finance Pro

For people who want precision.

$9/ month
  • Full access to all Finance tools
  • Advanced multi-scenario modeling
  • Deeper projections & tax logic
  • Strategy modeling with live data
Get Pro
View full pricing
LATEST INSIGHTS

From the Money Guy Mutants blog.

Strategies, frameworks, and deep dives into making better financial decisions.

Personal Finance

Money Guy Mutants Blueprint: Your 6-Month Roadmap to Total Financial Clarity

Over the last few months, we’ve explored the mechanics of wealth: from the psychological momentum of debt paydown to the tax-efficient structures of S-Corps and the relentless power of compounding. But knowledge without a system is just noise. To achieve true financial freedom in 2026, you need a Blueprint. This final post is your step-by-step […]

March 26, 20263 min
Retirement Planning

The Sequence of Returns Risk: The Danger of a Downturn at Year One

In the world of investing, we are often told that “average returns” are all that matter. If the market averages 8% over 30 years, you’re fine, right? Not necessarily. While averages work beautifully when you are adding money to your accounts, they can be a dangerous illusion once you start taking it out. In 2026, […]

March 24, 20263 min
Retirement Planning

RMDs and You: How to Stop the IRS from Eating Your 401(k)

After decades of diligent saving, you finally reach the “golden years.” But there is a silent partner waiting at the finish line: the IRS. Once you hit a certain age, the government stops letting you defer your taxes and begins requiring you to take money out of your traditional IRAs and 401(k)s. These are Required […]

March 19, 20263 min
Read all articles
OUR PRINCIPLES

Built on principles,
not dark patterns.

Money Guy Mutants is built by humans who care about rational decision-making, personal agency, and designing tools that respect intelligence.

No dark patterns
We never optimize for time-on-site.
No urgency traps
Countdowns belong in game shows.
No pretending life is simple
We model complexity, not erase it.

Just clearer thinking — one decision at a time.

Start thinking clearly