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Practical guides
Understand the result, then test the assumptions
Worked examples that show what a calculator can answer, what it leaves out, and which assumptions to test next.
- Investing 2 min read
Plan a monthly investment without treating returns as a promise
A worked SIP example: compare return assumptions, adjust for inflation, and turn a projected balance into a practical savings plan.
Read the guide - Loans 2 min read
Read a loan repayment beyond the monthly instalment
Compare the monthly payment, total interest, and first-month principal on a $100,000 loan, then evaluate prepayments and refinancing fees.
Read the guide - Retirement 2 min read
Stress-test retirement withdrawals, not just average returns
Understand sequence risk with two identical return sets, distinguish steady projections from Monte Carlo results, and test an inflation-linked budget.
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