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Money, drafted clearly.
Four calculators that answer specific questions in plain language: what you actually need to retire, what compounding does to your money, where your net worth stands, and whether borrowing against your assets beats selling them.
The calculators
01
Retirement Number
Work backward from your real expenses to the exact growth rate you need — not a generic savings target.
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02
Compound Interest
See your future value, plus a side-by-side comparison across every rate from 0% to 25%.
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03
Net Worth
Add what you own and owe, then compare instantly to median U.S. households your age.
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04
Buy, Borrow, Die
See what you can safely borrow against your portfolio instead of selling it — and what your heirs actually inherit.
Calculate →
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Why Sumly
No accounts, no data collection
Every calculator runs entirely in your browser. Nothing you type is transmitted, stored, or saved anywhere — not even by us.
Plain language, real math
Every number is explained in a sentence, not just displayed. No jargon you need a glossary to get through.
Built to be honest about risk
Where a strategy has real downside — margin calls, unrealistic growth assumptions — the calculators say so plainly instead of hiding it behind an optimistic number.
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