Discipline Funds Tools

Discipline Funds Tool Suite BETA

Your complete investing and planning toolkit

These tools are for educational and informational purposes only. If you'd like to talk to our financial professionals to learn how we use our advanced tool suite please contact us here.

For Financial Advisors: Access premium tools to build sophisticated financial plans and asset-liability matching portfolios. Contact us here for access.

Jump to Section: HourglassFP Tools Investing Retirement Financial Planning Estate

HourglassFP Tools

Hourglass Financial Planner

Hourglass FP Tools all in one.

HourglassFP Asset-Liability Matcher

The ALM tools establishes your baseline needs by analyzing your expenses.

HourglassFP Risk Assessment Score

The risk assessment score quantifies your financial robustness score by analyzing your balance sheet and income statement.

HourglassFP Portfolio Builder

Portfolio Builder quantifies your needs across time and builds a custom asset allocation to match.

Investing Tools

Expected Return Simulator

Estimate future returns using inflation and valuations.

Asset Allocation Return Simulator

Model your asset allocation and expected return.

CAGR Calculator

Calculate your rate of return using this simple tool.

Fee Impact Calculator

Illustrate the long-term effects of investment fees.

Interest Rate Simulator

Test interest rate scenarios and bond outcomes.

Bond Market Escape Velocity Calculator

A bond market metric to quantify the theoretical optimal point on the yield curve.

Bond Ladder Optimizer

A tool for building simple, but effective bond ladders.

T-Bill Ladder Optimizer

Build a short-term U.S. T-Bill ladder matching cash flow needs and reinvestment.

Retirement Planning Tools

Retirement Planning Simulator

Simulate portfolio growth & withdrawal strategies.

Sequence of Return Risk Simulator

Simulate your sequence of return risk across time.

Social Security Optimizer

Calculate the optimal age to take Social Security.

RMD Assessment Tool

Calculate your required minimum distributions and assess relative withdrawal risks.

Roth Conversion Optimizer

Calculate whether to convert your T-IRA to a Roth IRA.

Financial Planning Tools

Personal Budgeting Simulator

Map your income, expenses and set financial goals.

Buy or Rent Tool

Help decide whether to buy or rent.

Mortgage Calculator

Calculate the cost of a mortgage using this simple tool.

Estate Planning Tools

Estate Planner

Get your estate planning needs in order.

Life Insurance Optimizer

Calculate the amount of life insurance you need.

Charitable Giving Optimizer

Compare tax-smart giving strategies including cash, stock, and donor-advised funds.