Portfolio

Eight finance calculators, free to use

Free, no sign-up, and everything runs in your browser so your numbers stay private. Every engine is checked against the standard closed-form financial formulas, and how that checking works is written up in full.

Paycheck Calculator

Your salary is not your paycheck. See gross-to-net with federal brackets, Social Security, Medicare, and pre-tax 401(k) and HSA deductions.

Open calculator →

Investment Calculator

See what your money becomes. Model contributions, compounding, and expected return with a live growth chart and inflation-adjusted totals.

Open calculator →

Loan & Mortgage

Know the real cost of borrowing. Monthly payments, total interest, PMI, and a full amortization schedule, plus what extra payments save you.

Open calculator →

Auto Lease

Understand a car lease. See how depreciation, the money factor, and residual value shape your monthly payment, due at signing, and total cost.

Open calculator →

Rent vs Buy

Should you rent or buy? Compare your net worth over time for each path, including what your down payment could earn if you invested it instead.

Open calculator →

Debt Payoff

Get out of debt on a plan. Compare the snowball and avalanche methods side by side and see exactly which debt to attack first.

Open calculator →

Net Worth Tracker

Know where you stand. Categorize what you own and owe, check your health ratios, and save snapshots to watch your progress over time.

Open tracker →

Budget Builder

Give every dollar a job. Build a 50/30/20 or zero-based budget with editable targets and a live picture of where your money goes.

Open calculator →
Simulators

Economics and finance you can actually poke at

The calculators above answer questions about your own money. These are different: working models of how a market, a firm, or a whole economy behaves, running from supply and demand through monopoly, tariffs and game theory to DCF valuation and retirement risk. Pull the levers yourself and watch what breaks.

Retirement

Will the money last? A thousand simulated lives instead of one smooth line, showing why the order your returns arrive in can matter more than the average.

Test a plan →

DCF Valuation

Value a company the way an analyst does. Forecast the cash, build the discount rate from its parts, then see how far the answer moves when two assumptions shift.

Value a company →

Run a Business

Five years to build a company. Set price, headcount, marketing and R&D each quarter against a rival who fights back, and find out what actually pays for the fixed costs.

Take the job →

Supply and Demand

Drag a rent ceiling, a minimum wage, or a sales tax across the market and watch shortages, tax incidence, and deadweight loss appear on the diagram.

Open the market →

Macro Policy Simulator

You run the economy. Set interest rates, spending, and taxes, then steer inflation and unemployment through shocks you do not control.

Run the economy →

Bonds & Yield Curve

Price a bond, see duration and convexity checked against a full repricing, then invert the yield curve and read the forward rates hiding inside it.

Price a bond →

Portfolio Diversification

The only free lunch in finance. Drag correlation and watch two risky assets combine into a portfolio safer than either one alone.

Build a portfolio →

Tariffs

Who actually pays for protection? Split the cost into producer gain, government revenue, and the part that reaches nobody at all.

Set a tariff →

Inequality

Where the Gini coefficient comes from, how far redistribution moves it, and two economies that score identically while looking nothing alike.

Read the curve →

Game Theory Solver

Type any payoff matrix and it finds the dominant strategies, every Nash equilibrium including the mixed ones, and which outcomes waste value.

Solve a game →

Production Costs

When is losing money the right call? Cost curves, the shutdown point, and where a firm's supply curve actually comes from.

Find the shutdown point →

Monopoly

Why a firm with no competitors deliberately sells less than it could, and what that restraint costs everyone else.

Open the model →

Externalities

Why markets overproduce pollution, and how a tax sized to the damage raises total welfare instead of destroying it.

Open the model →

Comparative Advantage

A country worse at making everything still gains from trade. Set the productivity of two economies and watch both consume beyond what they could produce alone.

Open the model →
Dylan Bailes · B.A. Economics, UC Riverside

I bring aerospace-floor precision to financial analysis.

I spent nearly two years laying up composite parts bound for SpaceX rockets, the Boeing V-22, and the 737 MAX, where a misread spec is not an option. Then I earned a mathematics A.S. and an economics B.A. Now I point that same discipline at financial models: build them carefully, then check the math.

B.A. Economics, UCR A.S. Mathematics 25+ flight-critical parts built 8 finance tools shipped
Get in touch
Portrait of Dylan Bailes
Experience

Where the precision comes from

Composite Technician
Applied Composites
Projects

Analysis and modeling work

Personal Finance Toolkit
Self-directed · dylanbailes.com
Economics & Finance Simulators
Self-directed · dylanbailes.com
Economic Data Analysis
FRED Database
Data Visualization & Reporting
Excel
Skills

What I work with

Financial modeling

Amortization schedules Compound growth Lease structures Scenario analysis Net-worth modeling

Data & analysis

Trend analysis Regression Forecasting Time-series analysis FRED

Tools

Excel dashboards Excel structured datasets R C++

Process

Reading complex specifications Quality-audited environments Documentation & traceability Efficiency improvement
Education

Training

B.A. Economics
University of California, Riverside
A.S. Mathematics
Mount San Jacinto College
Advanced Composites and Technologies
The Fab School
Fundamentals of Fabrication
The Fab School

Let's talk.

If you're hiring for financial analysis, want to build something together, or just want to talk shop about the tools and the math behind them, I'd like to hear from you.

dylanbailes76@gmail.com Download resume (PDF)