Kashflow

Financial Planning Guides

Free calculators and detailed guides to help you make smarter financial decisions in minutes, not hours.

Career Planning10 min read

Career Change at 35? Here's What It'll Really Cost You

Model your career transition with salary dip, training costs, and recovery timeline. See the valley visualization and break-even point.

Career ChangeSalary CutCalculatorMid-Career
31 October 2025Read more→
Financial Strategy11 min read

Investment vs. Debt Payoff: The Calculator That Shows You The Real Numbers

Should you invest or pay off debt? See side-by-side scenarios showing which strategy builds more wealth for your specific situation.

DebtInvestingCalculatorNet Worth
31 October 2025Read more→
Freelance Planning9 min read

The Income Scheduler: Model Your Entire Year in 5 Minutes

Visualize irregular freelance income across 12 months. Schedule one-time projects, recurring retainers, and see exactly which months will be tight.

FreelancingIrregular IncomeCash FlowContractors
31 October 2025Read more→
Retirement Planning10 min read

When Can I Actually Retire? (Without Hiring a Financial Planner)

Calculate your retirement date with safe withdrawal rates. See exactly how savings rate, investment returns, and expenses affect your timeline.

RetirementFIRECalculatorSafe Withdrawal Rate
31 October 2025Read more→

More Guides Coming Soon

We're working on guides for freelancing, retirement planning, debt vs. investment decisions, and more.

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