The 20+ Tools Inside Prosperify (And Why None of Them Tell You What to Do)
The Founder, with AI, edited by hand ·
Prosperify has more than twenty calculators and tools built in, and not one of them will tell you what to do with your money. That's on purpose. I'll explain why, then show you the ones I reach for most, including a couple that exist purely because they're fun.
There's a kind of finance app that wants to be your boss. It nudges, it scolds, and it quietly steers you toward whatever earns it a commission. I wanted the opposite. A good tool answers the question you actually asked, hands you the number, and then gets out of the way so you can make your own call. Tools, not advice. A calculator that shows you what happens if you overpay your mortgage isn't telling you to do it. It's letting you see the tradeoff clearly enough to decide for yourself.
Most of them answer a real question you've probably had at some point. What does this loan actually cost me over its whole life, with the Loan Calculator. Am I better off paying down debt or investing the same money, with Debt vs Invest. Can I afford this house without lying to myself, with House Affordability and Rent vs Buy. When could I realistically stop working, with the Retirement and FIRE calculators. What is inflation quietly doing to my savings, with the Inflation Calculator. Each one turns a vague worry into a number you can actually look at.
Some exist just because finance doesn't have to be grim. The Investment Time Machine lets you look back at what a past decision would have grown into, which is equal parts satisfying and humbling. The Exponential Effect, our little doubling game, makes compound growth click in a way no lecture ever managed. The Wealth-O-Meter is exactly as cheerful as it sounds. I kept these in deliberately. If a tool makes you curious enough to come back and learn something, it earned its spot.
One thing I'll repeat because it matters: these tools are for your own education and your own decisions, not financial advice. They run the math and explain the result in plain words. They don't know your full situation, and for any big or irregular decision a real advisor is worth their fee. The tools are here to leave you sharper and better informed, and to help you ask better questions — not to replace your judgment or anyone's professional advice.
I think the best thing a finance tool can do is leave you more capable than it found you. Give you the number, explain it like a human would, and trust you with the decision. That's the whole idea behind the toolbox — the dull-but-useful ones and the fun ones alike.
Related reading: the Calculators hub, Loan Calculator, FIRE Calculator, Investment Time Machine, and our financial disclaimer.