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Keyfinio
See if you can afford a home — with RSUs & childcare
17 followers
See if you can afford a home — with RSUs & childcare
17 followers
Most financial calculators solve one problem in isolation. Keyfinio shows your complete picture — mortgage affordability, Buy vs. Rent comparison, RSU vesting, childcare costs, 529 tracking, and wealth projections all in one free dashboard. Also launching: a standalone Buy vs. Rent calculator (keyfinio.com/buy-vs-rent) with zero login required. Drag a slider to see how the math shifts over 1-15 years. No subscription. No credit card. Free forever.
How does the wealth projection handle irregular income or big one-time events like bonuses or stock sales, or is it assuming a steady paycheck the whole time?
@ceylani0pt Great question! Right now the wealth projection assumes a relatively steady income baseline — it takes your salary, RSU vesting schedule, and monthly savings contributions as inputs and projects forward from there.
For RSUs specifically, you can model vesting schedules (cliff + monthly/quarterly vesting) which do create lumpy income events rather than smooth paycheck assumptions. So if you have a big RSU vest coming up, that's accounted for.
For one-time events like bonuses or stock sales — honest answer: those aren't modeled as discrete events yet. The workaround right now is to manually update your brokerage/savings balance after a big event happens, which resets the projection baseline from that new starting point.
It's a great feature request though — the ability to add "planned future events" (bonus in month 6, home purchase in year 2, etc.) is definitely on the roadmap. Would make the projection much more realistic for people with variable comp.
Thanks for trying it out!
The Buy vs. Rent calculator without a login wall is genuinely refreshing. Drag the slider and the math updates instantly, no friction, no upsell hiding behind the result. Smart move shipping that as a standalone tool.
@medined46272 @medined46272 Thank you — that's exactly the intent! The friction of "sign up to see your result" kills the whole point of a quick calculator.
The no-login calculator started as a traffic experiment (something shareable without commitment) but the feedback has been that it's actually the most useful entry point. Might build a few more standalone tools the same way — RSU vesting calculator, 529 projection, etc. — each linking back to the full planner for people who want to go deeper.
Really appreciate you trying it out!