Tools, games & experiments for curious minds.
Explore an idea. See what’s possible.
Practical tools and playful experiments for everyday life. Explore a financial decision, practice a skill, discover somewhere new, or try something unexpected. HiddenSetting is a growing collection built around curiosity and learning by doing.
Explore HiddenSetting tools
Free to use. Your inputs stay in your browser.
Investment growth
Investment Calculator
See what your investments could become. Add monthly contributions, choose when to stop saving, and explore compound growth from today.
Mortgage
How to pay off your mortgage faster - MUCH faster.
Compare extra mortgage principal payments with investing the same cash. See estimated payoff dates, interest savings, and when a fund could cover the balance.
Retirement
Retirement Planner
Follow a nest egg from working years into retirement, and see how a few assumptions can reshape the picture.
Retirement
Retirement Spending Planner
Start with your nest egg today, then test how spending and income may shape the years ahead.
Financial independence
FIRE Calculator
See a possible path to financial independence from your savings, spending, and investment assumptions.
Financial independence
Coast FIRE Calculator
See when your investments could grow toward retirement without further saving—and how extra saving years may change the timeline.
Car payments
Virtual Car Lease Calculator
Put off the upgrade today. See how the payment you invest instead could help fund a better car tomorrow, with half or all of its payments covered.
Poker-Inspired Dice Game
Rainbow Dice
Read the roll, weigh the risk, and chase number and color combinations.
Texas Hold'em learning game
Hold'em Odds Trainer
Follow one hand from flop to river. Estimate your chances and learn why they change.
In the works
Explore early versions of new tools and experiments. They’re still taking shape, and features and results may change.
Useful tools. Playful experiments. New possibilities.
HiddenSetting is a place for curious people to explore ideas, learn by doing, and make practical decisions. Start with a question, try something out, and see what you discover.
What can I calculate?
Explore compound investment growth, mortgage payoff versus investing, and retirement savings and spending. Test how long a retirement nest egg could last, or estimate a path to FIRE (financial independence, retire early) and Coast FIRE. The Virtual Car Lease Calculator explores investing deferred car payments.
Are the calculators free?
Yes. You can use the calculators without an account or email signup. Calculator inputs stay in your browser. The optional update form asks for your name and email separately.
How should I use the results?
Use the charts to understand how assumptions change a scenario. Results are educational estimates; investment returns and future outcomes are not guaranteed. Each tool has its own assumptions and limitations.
Each tool is an educational scenario for entertainment purposes only, not financial, tax, or lending advice.
Get in touch
New tools. Fresh experiments.
Want a map for your publication, have a tool idea, or want to hear about new practical tools? Choose what fits. We will send update emails only if you ask for them.