Guides
Short, plain-English explainers on the ideas behind the calculators — compound interest, investing consistently, fund fees, and financial independence. Educational only; not financial advice.
Fund Fees Explained: Why a 1% Expense Ratio Matters
A plain-English guide to fund fees and expense ratios — what the numbers mean, why a seemingly tiny 1% annual fee can cost you a large share of your returns over decades, and how to check what you are paying.
Read guide →What Is Compound Interest? A Plain-English Guide
A plain-English explanation of compound interest — what it is, how "interest on interest" works, why time matters more than timing, and a simple worked example anyone can follow.
Read guide →How Much Should You Invest Each Month?
A practical, plain-English guide to deciding how much to invest each month — how to work backwards from a goal, why percentages beat fixed amounts, and how to start when money is tight.
Read guide →What Is FIRE and Coast FIRE?
A plain-English introduction to FIRE (Financial Independence, Retire Early) and Coast FIRE — what the terms mean, how the 4% rule and the "multiply by 25" shortcut work, and the milestones between starting out and full independence.
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