Decision Helpers
Open one helper at a time. Each decision can be saved into your personal Decision Journal.
Live Context
Signals tied to economic drift, updated every few hours.
No live signals available. Add `FRED_API_KEY` to enable.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
Decision Journal
Your saved decisions, with a lightweight outcome loop to learn what actually works.
No decisions saved yet. Save your first one below.
Outcome Stats
Breakdown of your saved decisions by type and outcome.
Save your first decision below to start tracking outcomes.
Buy vs Rent
Compare monthly costs and long-term assumptions.
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Buy vs Rent
Compare monthly costs and long-term assumptions.
Formula
Standard amortized mortgage formula with 2% annual maintenance.
Monthly mortgage: $7043.81
Total buy cost: $467629
Total rent cost: $144000
Assumptions: 2% annual home maintenance, no appreciation.
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Budget Planner
Balance monthly cash flow in minutes.
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Budget Planner
Balance monthly cash flow in minutes.
Formula
Income minus total expenses = remaining.
Total expenses: $5000
Remaining: $3000
Assumptions: All amounts are monthly.
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ROI Calculator
Understand returns and time horizons.
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ROI Calculator
Understand returns and time horizons.
Formula
ROI = (Gain / Investment) * 100
ROI: 18.00%
Monthly ROI: 1.50%
Assumptions: gain and investment are annual.
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Subscription Tracker
See monthly and annual subscription load.
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Subscription Tracker
See monthly and annual subscription load.
Formula
Annual total = monthly total × 12.
Monthly total: $55.00
Annual total: $660.00
Assumptions: costs are monthly.
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Option Scorecard
Score options with weighted criteria.
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Option Scorecard
Score options with weighted criteria.
Formula
Weighted score = score × criteria weight.
Total weighted score: 12.00
Assumptions: weight applies equally to each option.
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Break-even Analysis
Find the units or revenue needed to cover fixed costs.
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Break-even Analysis
Find the units or revenue needed to cover fixed costs.
Formula
Break-even units = Fixed costs / (Price - Variable cost per unit)
Contribution margin: $35.00
Units needed: 286
Revenue needed: $17143
Assumptions: Monthly fixed costs, constant variable cost.
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Hire vs Outsource
Compare the true annual cost of hiring versus contracting.
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Hire vs Outsource
Compare the true annual cost of hiring versus contracting.
Formula
Hire cost = Salary × (1 + Benefits%). Outsource cost = Rate × Hours/week × Weeks/year.
Annual hire cost: $97500
Annual outsource cost: $170000
Annual difference: $-72500
Hire is cheaper
Assumptions: Full-time equivalent, no ramp-up cost.
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Career Offer Comparison
Compare two job offers across compensation, benefits, and growth.
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Career Offer Comparison
Compare two job offers across compensation, benefits, and growth.
Formula
Score = Total comp + PTO value (salary/250 × days) + Remote days × $2,000/year
Offer A
Offer B
Offer A
Total comp: $109500
Adjusted score: $119200
Offer B
Total comp: $121200
Adjusted score: $138240
Offer B leads by $19040
Assumptions: Equity valued at stated annual amount, remote days at $2k/year value each.
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