Tools
Financial Tools Built for Busy Employees
Most financial tools give you more data. CheatCode Wealth™ tools are designed to help you make better decisions faster.
Whether you're thinking through a purchase, comparing the cost of debt, evaluating a pension, measuring investment performance, or analyzing an opportunity, these tools are built to save time and reduce friction.
If you're balancing work, family, and real life, you do not need more complexity. You need tools that help you move forward with clarity.
Why These Tools Are Different
Most financial calculators are built for people who want to spend hours digging through spreadsheets.
These tools are built for employees and busy people who want useful answers without the overwhelm. The goal is simple: help you make smart financial decisions in less time, with less guesswork, and with more confidence.
Everyday Money Decisions
Should I buy it? Decision Tool
Use this tool when you're on the fence about a purchase and want a faster, more rational decision instead of an emotional one.
Loan Interest Calculator
Estimate how much interest a loan can cost over time so you can make clearer borrowing and repayment decisions.
Retirement and Long Term Planning
Pension Calculator
Get a clearer view of how a pension fits into your long-term retirement planning and future income picture.
Student Loan ROI Calculator
Compare the cost of education against potential income outcomes so you can think more clearly about whether a degree or program makes financial sense.
Investment Performance Tools
CAGR Calculator
Measure compound annual growth rate to understand how an investment has actually performed over time.
ROIC Calculator
Evaluate return on invested capital to better understand business quality and capital efficiency.
Income and Opportunity Analysis
Options Trade Income Calculator
Estimate the potential income from options strategies to better evaluate opportunities.
Interest Rate Arbitrage Calculator
Analyze borrowing and yield differences to see when an interest rate spread may create a worthwhile opportunity.
Learn the Thinking Behind the Tools
Good tools save time. Good education improves the decisions behind them. If you want more context, start with these core CheatCode Wealth topics.
Career and Income Strategy
Learn how to strengthen the income side of your financial life and turn today's paycheck into future flexibility.
Investing Foundations
Understand how different assets, returns, and investing approaches fit into a long-term wealth-building plan.
Retirement & Long-Term
Explore practical ways to think about retirement, time freedom, and long-term financial stability without rushing to extremes.
Practical Wealth Frameworks
See how CheatCode Wealth connects day-to-day decisions with larger wealth-building systems and frameworks.
A Growing Library of Decision Tools
The CheatCode Wealth tool library will continue to grow as new tools are added for employees, investors, and families who want better answers in less time.
If you're looking for practical help with money, retirement, investing, and decision-making, this page is the hub to check first.
Related Guides
Explore related guides and tools to go deeper on this topic.
About the Creator
These tools were created by Garrett Duyck, founder of CheatCode Wealth™ and creator of the Portfolios & Bedtime Stories™ newsletter.
Garrett is an employee, father of four, former Seeking Alpha contributor, and author focused on helping busy employees build wealth without sacrificing family, stability, or work-life balance.
Learn more about Garrett and the CheatCode Wealth approach.
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