Scroll down to access FREE calculators and downloadable spreadsheet tools for investors.

These tools are discussed in Chapter 4 of Rich Warner’s book The Smart Investor’s Guide to Bucket Investing.

Net Worth Calculator

A personal financial statement form with assets listed on the left side and liabilities on the right. Assets include cash, real estate, investments, loans receivable, and personal property, with totals. Liabilities include current debts such as credit cards, medical bills, taxes, mortgages, loans, and other liabilities, with totals. Bottom right shows total assets, total liabilities, net worth, and date.

A custom-designed Excel spreadsheet that helps you calculate household net worth.

Free Access

Monthly Cash Flow Tracker

This spreadsheet calculates monthly and annual household net income, using income and expense cash flow data.

Free Access

Rebalance Spreadsheet

A table presenting bucket A model dollar allocations, shares, and recent prices for various bond ETFs. The table is divided into three sections: dollar allocations for models A1, A2, A3; share counts for each model; recent prices for the ETFs with their data links and last prices.

Use this spreadsheet to determine dollar size and share size allocations for all the ETF models discussed in Rich Warner’s book on bucket investing. You must buy the eBook on Amazon before you can access the models. Click on the button below to buy your copy now.

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Future Value (FV) Calculator

Screenshot of a financial future value calculator webpage displaying inputs for number of periods (552), starting amount ($1,000), interest rate (0.7083%), and periodic deposit ($400), with results showing a future value of approximately $2.77 million and a graph illustrating the growth of the account over time with deposits and interest.

How much will my portfolio be worth by the time I retire if I contribute $X per month and earn 7.5% annually? This free online FV calculator can help project portfolio values into the future.

Free Access

Portfolio Longevity Calculator

A financial calculator display showing a 35-year savings projection with total withdrawals of $2,145,495.72, future savings of $33,890.98, total interest earned of $1,499,386.70, and an initial balance of $680,000.00. The calculator also displays a breakdown table of yearly deposits, withdrawals, interest, accrued interest, and remaining balance.

How long will your money last?

This FREE online calculator will help determine whether you will outlive your financial assets.

Free Access

RMD Calculator

A screenshot of an IRS RMD (Required Minimum Distribution) calculator with input fields for birth year (1950), RMD year (2025), account balance ($475,000), spouse's birth year (1952), and estimated return rate (6.5%). It shows the RMD amount for 2025 as $19,308.94 and includes a graph of account balance and RMD over age.

How much do I need to withdraw from my traditional IRA or 401K to comply with IRS tax rules?

Use this FREE online RMD calculator to help answer that question.

FREE ACCESS

Wash Sale Guard App

Wash Sale Guard Promo Pic Front Page.jpg

You realized a loss in a taxable brokerage account. You’d like to add that loss to your Carry Forward Tax Bank to offset future capital gains and ordinary income. To do this, you must track your trades and make sure you don’t re-enter securities that you’ve taken losses in before the IRS Wash Sale window period is over. This app suggests proxy ETFs and stocks that can replace those off-limits securities, tells you when it’s safe to re-enter securities, and aggregates eligible losses in your Carry Forward Tax Bank. The app also includes the Wash Sale Date Calculator.

Buy the App

Wash Sale Date Calculator

When is it safe to re-enter a security (ETF or stock) that you’ve recently taken a loss in?

The Wash Sale Date Calculator will tell you.

For taxable brokerage accounts only.

Free Access