Changelog

15-year cost comparison with IRA tax credit ($2,000 cap), per-state climate zone COP adjustments, incremental payback framing, and dual heating/cooling benefit analysis. Opus-audited math prior to launch.

Is solar worth it for your home? Model your system size, electricity rate, incentives, financing method, and get payback period, 25-year net savings, LCOE, IRR, and a year-by-year breakdown. State-specific electricity rates, net metering policies, and incentive data are auto-filled.

Enter your complete financial profile once. Get net worth, savings rate, debt-to-income, emergency fund coverage, three trajectory dates (FIRE, debt-free, EF funded), and a ranked #1 Move recommendation. All connected, all live.

Calculation audit + expanded unit tests

All 7 calculator math libraries audited against independent financial sources. Test suite expanded from 40 to 156 tests across 8 suites. Zero failures. SEO metadata improvements across homepage, Learn, and About pages.

Ask AI About This

Every calculator now has an Ask AI button. One click generates a pre-crafted prompt with your exact numbers: paste it into ChatGPT, Claude, or any AI for personalized analysis.

All calculators upgraded

Currency selector ($ € £ ₹ ¥), Direct Entry / Sliders toggle, copy buttons on key results, and Chart | Table | Summary view toggle added to all six remaining tools.

Deposit frequency, rate period selector, effective annual rate, all-time return %, time to double, and a full Chart | Table | Summary breakdown with expandable monthly rows.

22 real vehicles across 4 categories. One-click comparisons: F-150 Gas vs Lightning, RAV4 vs RAV4 Hybrid, Camry vs Model 3. Modified badge when you change a preset value.

Full TCO for gas, hybrid, diesel, and electric vehicles. 51-state fuel and electricity auto-fill. Side-by-side comparison with break-even chart.

Coverage progress bar, HYSA recommendation, order-of-operations visual (EF first, then debt, then invest), and what-counts-as-an-emergency section.

Color-coded rate display, years-to-FI chart, FI reference table (10%–75%), what-if slider, and collapsible spending breakdown.

FIRE number display, progress bar, three-scenario comparison (Conservative/Moderate/Aggressive), and what-if toggles.

Avalanche vs snowball simulation, dynamic debt rows (up to 6), payoff order display, and freedom reinvestment hook.

Side-by-side comparison chart showing start today vs delayed start on the same end-date timeline. Emotional hook quantifying the real cost of procrastination.

First tool live. Month-by-month simulation with contributions, inflation adjustment, variable compound frequency, and a stacked area chart.

Site foundation

ForestMatters launched. Design system, homepage, header, footer, brand identity, legal pages, and Google Analytics.