Tools
A small but growing collection of calculators and interactive toys. The point isn't to replace a real plan with someone who knows your situation — it's to let you feel, not just read, how the numbers move.
Investing & long-term planning
Compound interest, retirement math, and what 'safe withdrawal' actually means.
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Compound interest calculator
Pick a starting amount, a monthly contribution, an interest rate and a horizon, and watch the curve do its job.
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FIRE calculator
Work out your Full, Coast, and Pension FIRE numbers, with European taxes baked in and a safe withdrawal rate you control.
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Time-to-FI accelerator
Plug in income, expenses, and a target FI number. See how saving 1%, 3%, 5% or 10% more per month shrinks your years-to-FI. Savings rate is the lever, not return rate.
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Inflation impact calculator
See what inflation does to your money over time — and why not investing is the most expensive decision you can make.
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PAC backtest: 10 ETFs, 6 portfolios
Pick an ETF or a portfolio mix, set a monthly contribution and a horizon, and see one calibrated walk through the math. Includes the time-in-market experiment.
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Lump sum vs DCA
Got a windfall? Should you invest it all at once, or spread it over 6/12/24/36 months? 5,000 Monte Carlo paths against a calibrated portfolio show you the answer.
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Monte Carlo: portfolio survival
Run 10,000 paths through your portfolio. Accumulation mode shows where you might land; withdrawal mode shows the FIRE survival probability. Sequence-of-returns risk made visible.
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Can you time the market?
A short game with real historical S&P 500 and MSCI World data. Start with €1000, make up to 40 moves, and find out if your gut beats just buying on day one and holding.
Play the game →
Italy specifics
Net salary, P.IVA, INPS pension, and the OCF exam simulator.
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RAL → Net salary (Italy)
Enter your gross annual salary and see what actually lands in your bank account every month, with a full IRPEF and INPS breakdown.
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P.IVA calculator (Italy)
Forfettario or ordinario: enter your annual revenue and see your net income, INPS, and taxes. Because 'how much do I actually keep?' is the real question.
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Net → Gross: what should I charge?
'I want EUR X net per hour.' This tool tells you the RAL or P.IVA daily rate you need to ask for. Works backwards from what you want to keep.
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Italian pension simulator
How much will INPS give you? When can you retire? How much do you need to stop early? The contributivo system, explained with numbers.
Simulate your pension → -
OCF exam simulator
4,529 official OCF questions with shuffled answers. Choose how many, filter by category or topic, and train like the real Italian financial advisor exam.
Start the test →
Big-money decisions
The bigger one-off calls: buying a home, taking a loan.
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Buy or rent?
Is it better to buy a home or rent and invest the difference? Enter your mortgage, costs and rent to find out when (and if) buying wins.
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Loan amortization calculator
Mortgage or car loan: enter principal, rate and term to see your monthly payment, the principal-vs-interest split over time, and how much an extra monthly payment saves you.
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