sidepickDWG NO. SP-2026-12 · REV A
Sheet 12 - ToolsDWG SP-2026-12

Tools.

The instruments behind the journal. Free calculators anyone can use, and the products that fund the work. Every free tool is the exact math from a Playbook — no black boxes.

Fig. 01 - Free toolsScale 1:1
TL-001Live
Deposit Yield Calculator
Gross interest, withholding tax, net per month, and a customizable deposit-insurance check — for banks worldwide. The exact math behind Playbooks 04 and 05: set your currency, tax, and guarantee rules, then price the deposit before you park the cash.
OPEN TOOL →
TL-002Live
Dividend Target Calculator
How much capital funds your target income? The target ÷ (yield − inflation) model from Playbooks 01–03, as an interactive sheet.
OPEN TOOL →
TL-003Live
Position Size Calculator
Risk a fixed percent per trade. Size the position from entry, stop, and account risk — the trading-pillar discipline, enforced by arithmetic.
OPEN TOOL →
TL-004Live
Compounding Simulator
Small gains, relentlessly repeated. Simulate monthly compounding with contributions and see where consistency lands — 1, 3, 5, or 10 years.
OPEN TOOL →
TL-005Live
SBN vs Deposit Comparator
Same principal, two parking spots — which pays more per month, net? Coupons against deposit interest, taxes against tenors, side by side.
OPEN TOOL →
TL-006Live
Loan Amortization Calculator
The monthly payment is the advertisement — the total interest is the price. Annuity schedule, year by year, plus what extra payments save.
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TL-007Live
Expectancy Calculator
Win rate × average win vs loss rate × average loss. Is your edge real, or does it just feel real? The arithmetic decides.
OPEN TOOL →
TL-008Live
Drawdown Recovery Calculator
Down 20% needs +25% to get back. The asymmetric math of losses — and how many months of steady gains it takes to climb out.
OPEN TOOL →
TL-009Live
Fee Drag Calculator
"It's just 1% a year." So is compound interest — working against you. What the small print really costs, compounded.
OPEN TOOL →
TL-010Live
Portfolio Yield Blender
Many parking spots, one income. Blend up to eight instruments — bonds, deposits, funds — into a single portfolio: total net per month and one blended rate.
OPEN TOOL →
TL-011Live
Portfolio Rebalancer
Targets drift. Enter what each asset is worth and where you want it — get the exact buy and sell orders to get back on plan.
OPEN TOOL →
TL-012Live
DCA vs Lump Sum
Same capital, same return: all in on day one, or fed in month by month? The true cost of hesitation, charted.
OPEN TOOL →
TL-013Live
FIRE Target Calculator
How much principal before the yield covers your life? Your number, your coverage today, your years to go.
OPEN TOOL →
TL-014Live
Kelly & Risk of Ruin
How much should one trade risk? Kelly sizes the bet for maximum growth; risk of ruin prices your survival.
OPEN TOOL →
Fig. 02 - ProductsScale 1:1
PR-001Coming soon · $19
Sidepick Ledger
The trading journal and portfolio tracker behind the Scoreboard. Rich Meter dashboard, trade log, monthly aggregation, build log. One file, four sheets, zero excuses.
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Tools are built in the open and used in the journal first. Nothing here is financial advice — every calculator shows its formula so you can check the work.