What you make. What you keep.
Earn, save, sell — the side of the balance sheet that tracks how much money flows toward you.
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Net Worth
What you own minus what you owe. The single most honest snapshot of where you stand financially.
Best when you want one number that captures the whole picture.
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Savings Rate
How many years until FIRE? Mostly a function of one number — and it isn't your income.
Best when wondering whether to optimize for raises or savings.
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True Hourly Wage
Your real take-home rate after tax, work expenses, and commute time — not the rate on your contract.
Best when deciding whether a raise, longer commute, or new job is actually worth it.
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Freelance Hourly Rate
Working backward from a target take-home: what to charge clients after tax, business expenses, and unbookable hours.
Best when setting freelance prices or comparing W-2 vs going independent.
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eBay Profit Margin
Net profit per item after Final Value Fee, the per-order flat fee, shipping, and inventory cost. Plus the breakeven price for any listing.
Best when sourcing inventory or pricing a reseller listing.
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Compound Interest
Future value with periodic contributions and any compounding frequency. See the share of the final balance that's principal vs. interest earned.
Best when projecting investments, savings goals, or seeing what time does to a regular contribution.