Free Tools
Six educational tools from Multi-Cycle Planning, open to everyone. No signup, no email capture, and nothing you enter is stored on our servers.
How expansions, peaks, recessions, and recoveries shape markets — the economic backdrop behind the Multi-Cycle approach, explained in plain English.
How mixing different investments changes the size of the swings. Build a mix of stocks, bonds, commodities, alternatives, and cash, and see why a diversified portfolio usually swings less than its pieces suggest, what a typical year looks like around an assumed average, and what the swings cost in compounded growth. Assumptions, not forecasts.
U.S. household financial statistics — income, savings, net worth, and more — so you can put your own numbers in context instead of guessing how you compare.
What the gap between two wedding budgets could grow into. Enter the wedding you are picturing and a smaller one you could live with, pick an age and an assumed growth rate, and see what the difference could become, before inflation. A hypothetical illustration of compounding, not a projection of any investment; the all-stocks preset uses the S&P 500's historical return since 1926, and past performance is no guarantee of future results. Your entries stay in your browser.
Nobody knows how the AI decade turns out — so map your own view. Split 100% of probability across possible outcomes, score each one, and see your expected value and tail risks. Your pie stays in your browser; it is never sent to our servers.
The planning platform's full data-handling disclosure, published where anyone can read it — what is collected, who touches it, what our AI provider does and doesn't see.
These tools are educational only — they are not investment advice and make no recommendations. Curious how AI fits into the full platform? Read how our AI-assisted planning works.
The full planning platform is free too — create an account and see your complete financial picture, not a demo.