Free tools

35 calculators, one question each. Pick a category to see only that group, or scroll the lot.

Where you stand

Net worth by ageThe typical household at your age, 23 countriesHousehold incomeYour household against its country's real decilesIncome percentileWhere your income ranks, worldwideUpper classThe three income bands in your country, and where you landMiddle class incomeThe band, and which side of it you are onNet worth percentileYour rank among adults, in your own currency

Am I rich

Top 1%Where the line sits, in 216 countriesIs a million enoughWhat a million actually pays you, for how longHow rich am IYour place in the world, not just your countryWhen am I a millionaireThe date, from what you hold and what you add

What you can afford

Coast FIREThe age your saving could stopRent I can affordYour cap, and the band the rent you want lands inCar I can affordThe price your income carries, not the one you are soldSavings goalWhat to put away a month to hit a number by a date

Debt and credit

APRThe real annual rate, once the fees are countedPay off a cardThe date the balance dies, and what it costs to get thereLower my mortgage paymentWhat a lump sum does to the payment, and what it costs youMinimum paymentsWhat paying the minimum really costs in years and interestMove a balanceWhether the transfer fee buys you anything

Dividends

Dividend incomeThe income a holding pays, before and after taxDRIPWhat reinvesting turns the same holding into

Retirement income

RMDWhat the IRS makes you withdraw this yearAnnuityThe income a pot buys, and what you give up for itReverse mortgageWhat the loan grows to, and what is left of the houseWithdrawal rateWhat you can draw without running outAdvisor feesWhat a percentage fee costs over a lifetimeHow long it lastsThe date the pot runs out

Pay and raises

Pay raiseThe rise in percent, in cash, and after inflationOvertime payTime and a half, computed for the hours you actually workedSalary increaseWhat the new number is worth over a careerCommissionThe payout, at every tier and split

Tax and property

Capital gains taxThe bill on a sale, short and long termRental yieldWhat a property yields, and what that says about the price

United States

401(k) percentileYour balance against every US saver your ageBy US stateWhere your income ranks in your own state, all 51

By country

AlbaniaArgentinaAustraliaAustriaBelgiumBrazilCanadaChinaCzech RepublicDenmarkFinlandFranceGermanyHong KongIndiaIndonesiaIrelandIsraelItalyJapanKuwaitMexicoNetherlandsNew ZealandNorwayPolandPortugalQatarRussiaSaudi ArabiaSingaporeSouth AfricaSouth KoreaSpainSwedenSwitzerlandTurkeyUnited Arab EmiratesUnited KingdomUnited States

35 free calculators, one question each, in 9 groups: Where you stand, Am I rich, What you can afford, Debt and credit, Dividends, Retirement income, Pay and raises, Tax and property and United States. Each one computes from published national data in your own currency, and says so where the data stops.

Questions people ask

What are these tools?
Single-question calculators built by Tesseract Research: where you stand on income and wealth, what you can afford, what debt costs, and what a pot pays in retirement. Each answers for as many countries as real data allows, in your own currency.
Are they really free?
Yes, all of them, with no sign-up. Tesseract Research builds them to the same evidence standard as its paid equity research, and they are how most readers first meet the firm.
How current are the figures?
Every figure reads 2026. Statistical agencies publish slowly, so each page names the year its source actually measured and the published growth index used to carry it forward, with the factor shown. Where no growth projection exists for a country, that country keeps its measured year and the page says so.
Do the tools work for my country?
The percentile and wealth tools answer for over two hundred countries; the tax and survey tools for the countries their sources actually measure, named on the page. Where data does not exist, the tool says so rather than guessing.

Method and sources

  • The suite's sourcesFed SCF 2022 · ECB HFCS 2021 wave · OECD Taxing Wages 2026 · World Inequality Database · UBS Global Wealth Report
One standard

Every published number is computed from held source data at build time; the counts on this page are computed the same way, including the tool list itself, which is read from the pages as built.

What these figures do not cover
  • Coverage counts the countries holding a full wealth distribution; a tool that needs a narrower source names its own scope on its own page.

Last updated July 2026.

Tesseract Stock Agent is a professional-grade AI research agent built with one intention: to analyze any stock the way institutional equity research does. Deep fundamentals, real filings, evidence over noise. Point it at a ticker and read what a desk analyst would have written.

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