The 4% Rule in 2026: Morningstar Says 3.7%, Bengen Now Says 4.7% - Which One Applies to You?
Morningstar says 3.7%, Bengen says 4.7%, and the classic rule says 4.0%. See one retirement calculator scenario tested across all three rates.
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Planning examples, built from the calculators.
Guides that connect financial rules of thumb, budget tradeoffs, and life decisions to scenarios you can open, edit, and stress test.
Financial Suite7
5 calculators with guides
Budget Suite8
7 calculators with guides
Advisor Suite2
1 calculator with guides
7 articles
Financial Suite
Retirement, college, home buying, investment property — all in one place.
Retirement Calculator
2 guides for this calculator
Home Affordability Calculator
2 guides for this calculator
How Much Money Do You Actually Need to Buy a House?
Estimate cash to close, reserves, moving costs, and repairs with a $500,000 home-buying example for 2026.
The True Cost of Owning a Home (It's Not Just the Mortgage)
Estimate the all-in monthly cost of owning a home, including mortgage, taxes, insurance, maintenance, PMI, and unrecovered costs.
Rent vs Buy Calculator
1 guide for this calculator
529 College Savings Calculator
1 guide for this calculator
Financial Independence Planner
1 guide for this calculator
8 articles
Budget Suite
Wedding, vacation, moving, savings goals — line by line.
Savings Goal Planner
1 guide for this calculator
Debt-Free Planner
2 guides for this calculator
Debt Snowball vs Avalanche: Which Payoff Method Should You Use?
Compare debt snowball and avalanche with a payoff scenario, interest estimate, first-win timeline, and calculator steps for choosing your method.
How Long Will It Take to Pay Off My Credit Card?
See how long an $8,000 credit card balance takes to pay off at 22% APR with $250, $400, or $600 monthly payments, plus steps to test your own payoff date.
Group Trip Planner
1 guide for this calculator
Wedding Budget Calculator
1 guide for this calculator
Baby Budget Planner
1 guide for this calculator
Moving Cost Calculator
1 guide for this calculator
Retirement Saver
1 guide for this calculator
2 articles
Advisor Suite
Match your situation to the advisor, trust, or career that actually fits.
Advisor Recommender
2 guides for this calculator
How Much Does a Financial Advisor Cost in 2026?
Compare 2026 financial advisor fees, from hourly help and planning projects to AUM pricing, plus how to match the cost to the job you need done.
What Kind of Financial Advisor Do You Actually Need?
Match your situation to the right advisor type before you hire, from planners and CPAs to estate attorneys, insurance pros, and investment managers.