WealthDelay is a free collection of 30 personal finance calculators that show you the true lifetime cost of financial decisions. Every calculation runs entirely in your browser — nothing is sent to a server, no account required, no data stored.
The core idea: most financial tools show you what something costs today. WealthDelay shows what it costs in lifetime wealth — factoring in compound interest, inflation, and opportunity cost.
Our mission: Give every person access to the same financial math that wealth managers charge thousands to explain. Free, clear, and instant.
All calculators use standard financial formulas: Future Value of Annuity for recurring amounts, compound growth for lump sums, and inflation adjustment to translate future values into today's purchasing power. We use 7% as the default annual return — the S&P 500's historical inflation-adjusted average. Every assumption is visible and adjustable.
We do not store your inputs. All calculations run client-side in JavaScript. We use Google Analytics to understand aggregate traffic patterns (pages visited, time on site). No personally identifiable information is collected or stored by WealthDelay. See our Privacy Policy for full details.
WealthDelay is free and supported by clearly marked affiliate links to financial products we believe are genuinely useful. We may earn a commission if you open an account through these links, at no cost to you. We never accept payment to feature a product or to influence calculator results.
We also offer optional paid PDF reports for users who want a formatted, downloadable version of their calculator results. The full results are always free on screen — the PDF is a convenience option only.
For feedback, calculation corrections, or partnership inquiries, please use the feedback button on any calculator page. We take mathematical accuracy seriously and issue corrections promptly.