SoloWel

SoloWel is your personal finance learning companion - a collection of interactive simulators designed to help you understand money concepts, explore scenarios, and build financial literacy at your own pace. Whether you're planning a mortgage, sizing an emergency fund, comparing buy vs rent, or simply curious about compound interest, SoloWel turns abstract financial ideas into clear, hands-on exercises. Every tool is built for education and exploration — not to tell you what to do. WHAT YOU CAN EXPLORE Personal finance • Net worth — snapshot your assets and liabilities • Savings & compound interest — project growth over time with fees and inflation • Mortgage calculator — payments, amortization, prepayments, closing costs • Borrowing capacity — estimate maximum loan based on income and debt ratios • 50/30/20 budget — compare your spending to a classic budgeting framework • FIRE simulator — explore financial independence scenarios • Rule of 72 — quick mental math for doubling your money • Emergency fund — target size and timeline based on your expenses • Priority pyramid — understand where to focus first Daily tools • Salary calculator — gross to net (and reverse) with regional tax brackets • Sales tax / VAT — calculate tax from net or gross prices • Currency converter — convert between major currencies • Unit price comparison — find the best deal at the store • Subscriptions tracker — see your recurring monthly costs • Travel shopping converter — compare prices abroad with taxes and refunds • Tax refund estimator — rough estimate of your refund (Canada & USA) Projects & scenarios • Debt payoff — Avalanche vs Snowball strategies side by side • Buy vs rent — long-term comparison with investing the difference • DCA vs lump sum — staggered investing vs all-at-once • Rental property — NOI, cap rate, cash-on-cash, cashflow • Break-even analysis — for freelancers and small businesses Other • Financial glossary — searchable definitions adapted to your region (Canada, USA, Europe) BUILT FOR YOUR REGION SoloWel adapts labels, tax rules, and account types to your selected region and currency — RRSP/TFSA/FHSA for Canada, 401(k)/IRA for the USA, PEA/assurance-vie for Europe, and more. Switch region and language anytime in Settings. CUSTOMIZE YOUR EXPERIENCE • Choose which tools appear on your home screen • Reorder tools to match your priorities • Dark mode support • Share simulation results as images DESIGNED FOR LEARNING Each tool includes clear explanations, warnings, and limitations. Results are mathematical simulations based on the numbers you enter — they are not verified against your bank, broker, or tax authority, and they do not account for every real-world nuance. IMPORTANT DISCLAIMER SoloWel is for educational and informational purposes only. It is not financial, tax, legal, or investment advice. Simulations use simplified assumptions and fixed rates. Past trends do not guarantee future results. Always consult a qualified professional before making important financial decisions. Start exploring. Learn the math. Build your confidence — one simulation at a time.