Erdman Financial Group
Built to help you think clearly about your money. No login, no catch, no sales pitch. Just honest tools you can use right now.
These tools won't replace a real financial plan, but they're a great place to start. Use them on your own, share them, or bring the results to a conversation with us. Every tool is completely free.
Tools to help you understand how money grows, how accounts compare, and how to build toward your long-term financial goals.
See exactly how your money grows over time when you let compounding work for you. Adjust your starting balance, monthly contributions, rate of return, and time horizon to see what your wealth could look like years from now.
What you can explore
Most people guess at their savings rate. This calculator breaks it into four distinct rates — gross, net, investment-only, and employer-inclusive — with live gauge dials for each, a bucket-by-bucket breakdown, and a what-if slider showing what an extra $50 to $1,000/month compounds into over 10, 20, and 30 years.
What you can explore
Most people have never added it all up. This calculator walks through every asset and liability category — cash, investments, retirement accounts, real estate, debts — and gives you the single most honest number in your financial life, updated live as you type.
What you can explore
Enter your debts and see a side-by-side comparison of the Avalanche and Snowball payoff methods — total interest, months to debt freedom, exact payoff order, and a timeline showing when each debt disappears.
What you can explore
From how much you need to save, to when to claim Social Security, to which accounts to use — these tools help you plan the retirement you actually want.
The most common question in financial planning — am I saving enough? This calculator gives you a direct answer: you're on track, you're close, or here's exactly how much more you need to save per month to hit your retirement goal. Employer match included.
What you can explore
Tell us the monthly income you want in retirement and we work backwards to give you a real target number — with Social Security factored in and a plain-English summary of where you stand today.
What you can explore
The Roth vs. Traditional question is different for everyone. This calculator runs both scenarios side by side so you can see which account structure puts more money in your pocket at retirement.
What you can explore
Claiming at 62, 67, or 70 produces dramatically different lifetime results. See your estimated benefit at each age, the exact breakeven point, cumulative lifetime totals out to age 95, and a recommendation based on your health. Spousal strategy included for married couples.
What you can explore
Understand what's actually at stake if something goes wrong — and whether your current coverage is actually doing the job.
Your income is one of your most valuable financial assets. This calculator estimates the total economic value of your future earning potential so you understand what's actually at stake if that income disappears unexpectedly.
What you can explore
Most people are either underinsured or paying for coverage they don't need. This needs-based analysis walks through your income, expenses, debts, and assets to calculate a real coverage number specific to your situation.
What you can explore
Tax clarity is one of the most underutilized levers in a financial plan. These tools help you understand how the system actually works and where your opportunities are.
The most common tax myth in America — visualized. See your income sliced into colored brackets, understand why your marginal rate and effective rate are very different numbers, and prove once and for all that a raise never leaves you worse off.
What you can explore
Why Free Tools?
Most people go through life without access to real financial guidance. Not because they don't want it, but because the industry has built walls around it. High minimums. High fees. Advisors who only sit down with you if you already have enough money.
These tools exist to lower that wall. Whether you're a current client, a prospect, or just someone trying to think more clearly about your money, you deserve access to the same resources anyone else gets. No strings attached.
More tools are being added regularly. Check back often.
"A simple budget conversation would have changed my family's life. That's why these tools are free."
Ken Erdman, Founder · Erdman Financial GroupReady for a Real Plan?
If something you calculated today sparked a question or concern, that's exactly the right moment to have a conversation. No pressure, no obligation.
Schedule a Free Consultation