Learn more
Our mission
Most financial calculators hand you a single number and ask you to trust it. Fortune Orb shows the whole calculation — the year-by-year schedule, the split between what you contributed and what you earned, and the assumptions behind both. A number you can check is worth more than a number you have to believe.
How it works
Every calculator's arithmetic runs in your browser. No server computes a result and nothing you type is tracked, so they keep working on a bad connection — and they work signed out, which is how most people use them. Your inputs live in the page URL, so bookmarking or sharing a link preserves the exact scenario you were looking at. Signing in adds two things you can choose to send us, and changes nothing else: a scenario you explicitly save, and the financial profile you fill in on your dashboard. That profile is the one thing we read on our side — once a night, to work out what you are worth and record the day's figure, which is what the history on your dashboard is made of. Nothing else is ever sent, and deleting the profile deletes that history with it.
What is stored
- What we keep
- Your account — the name, email address and picture Google gives us when you sign in. Any scenario you pressed Save on: which calculator it belongs to, the name you gave it, and the numbers you typed. And your financial profile: the numbers you entered on your dashboard.
- What we never ask for
- No account numbers, no institution names, no bank connection, no address, no government ID. Nothing you type into a calculator is sent anywhere unless you sign in and save it, and signing out is enough to stop that.
- Removing it
- Delete a scenario from Saved Scenarios, or your whole financial profile from the dashboard. Either one is gone from our database the moment you do, not marked hidden.
About the numbers
The investment calculator compounds your balance once a year at the rate you enter, and contributions made during the year earn the matching effective periodic rate. Mortgages use standard monthly-compounded amortization. Debt-to-income follows the common lender convention of counting investment and rental income at 75%. The FIRE calculator keeps every account separate and holds each to its own penalty-free age, because the years between retiring early and turning 60 can only be paid for out of a taxable account. It also reports every figure in today's money, so a dollar at 90 means what a dollar means now. The home equity calculator compounds appreciation monthly rather than annually, because you pick a month rather than a year. It also keeps the mortgage payoff out of the taxable gain — paying off the loan changes what you pocket, never what you owe tax on.
These are projections built on assumptions you supply — real returns vary, rates change, and lenders apply their own overlays. Treat the output as a way to explore scenarios, not as a forecast, and confirm anything consequential with a licensed professional.
The calculators
- Investment Calculator
Project compound growth from a starting balance and recurring contributions, then read year by year what you put in versus what you earned.
- FIRE Calculator
Model every account you own — taxable, 401(k), IRA, Roth and HSA — against its penalty-free age, then read how much of your spending the dividends actually cover through the gap years.
- Home Purchase Calculator
Race your investments against home appreciation to find the year you can finally cover the down payment, then read the mortgage you would sign at that future price.
- Mortgage Calculator
Work out principal and interest, add taxes, insurance and HOA for the real monthly number, then read the full amortization schedule.
- Debt-to-Income Ratio Calculator
Add up your income and monthly debts to get the DTI lenders actually use, including the discount they apply to investment and rental income.
- Home Equity Calculator
Track the equity you build as your home appreciates and your loan shrinks, then switch to what a sale would really pay once selling costs, the mortgage payoff and the $250,000 capital gains exclusion come out.