Free tools free · one account opens all 34
Three of the tools need no account: one is fully open, one you can watch, and one has a live demo. The other 31 are free too — they ask you to create an account first, and one account opens all of them.
Start here 6
Tracker
Track your money systems in one clear view
Free Free accountSystem Lab
Design and stress-test your own money systems
Free Free demoYield Calculator
Run the numbers on any yield, instantly
Free No accountData Board
Rates, food prices, inflation, jobs, energy and more, each against its own history
Free Free accountFirst Money
The money course school never gave you
Free Free accountNet Worth + Emergency Fund
What you own minus what you owe, and how many months your cash covers
Free Free accountHome & housing 4
True Cost of Where You Live
The real all-in cost of any place, rent or buy
Free Free accountEscrow & Mortgage-Statement Decoder
Why your mortgage payment jumped
Free Free accountPMI Removal Decoder
When and how to drop PMI — and save
Free Free accountShopping List
Know what you're out of — recurring buys, reminders, and prices at stores near you.
Free Free accountJob, benefits & school 8
Benefits Decoder
See what a health plan really costs you
Free Free accountJob-Offer Comparator
Compare two job offers on true total value
Free Free accountFirst Money: College Edition
Money for the college years, loans to first job
Free Free accountAI Work Brief Builder
Turn a work task into a clear brief for an AI assistant
Free Free accountIncome Shock Runway
See how many months your money covers if income stops
Free Free accountRole Pulse
How your job is trending: openings, pay and outlook
Free Free accountAI Exposure Map
Which tasks in your job AI touches, and which it does not
Free Free accountGig Income + Tax Set-Aside
How much of each gig payment to set aside for tax
Free Free accountDebt, credit & big buys 5
Car-Deal Decoder
What that dealer financing is really costing you
Free Free accountBusiness Write-Off Explainer
What's actually deductible vs myth
Free Free accountBalance-Transfer Calculator
Will a 0% transfer actually save you?
Free Free accountDebt Payoff Planner
Avalanche and snowball side by side, month by month
Free Free accountSubscription Review
What your subscriptions cost per month and per year
Free Free accountRetirement & later life 5
Social Security Optimizer
When to claim — 62, full age, or 70
Free Free accountRoth Conversion Calculator
How much to convert to fill your tax bracket
Free Free account401(k) Rollover Decoder
Leave it, roll it, or cash out — the real cost
Free Free accountPension: Lump-Sum vs Annuity
Which pension option actually pays more
Free Free accountLong-Term-Care & Medicaid Decoder
What care costs and how spend-down works
Free Free accountInsurance & estate 4
Insurance Policy Decoder
Are you underinsured? What's actually excluded
Free Free accountBenefits Eligibility Screener
What assistance you likely qualify for
Free Free accountLife Insurance Decoder
How much you need, and term vs whole
Free Free accountEstate & Will Decoder
Which estate documents you actually need
Free Free accountInvest & experiment 2
Financial Simulator
Replay real market history with a simulated portfolio. The S&P 500 replay is free; more markets and advanced orders are on Premium.
Free Watch free · S&P 500 replay with a free accountCrypto Loan Lab
Would your crypto-backed loan have survived history?
Free Free accountNo free tool matches that.
Obsidian Metrics is a quiet place to learn how money systems actually work — clear frameworks, real tools, and a community of people building toward the same thing. Members get the Tracker, the System Lab, the Yield Calculator, and the full classroom — plus our flagship products: Onyx, your Obsidian Metrics AI, and Tephra, your personal memory layer.
Creating an account is free, takes a moment, and opens every tool above plus your own hub page. Three of the tools need no account: one is fully open, one you can watch, and one has a live demo. Look first if you want to. If you already joined the community or bought a tool, create your account with that same email and it unlocks on its own.
Flagship products membership
Onyx
Onyx — your Obsidian Metrics AI. Ask it questions and get answers. Free for every member; full Onyx comes with VIP.
Paid VIP Get accessTephra
Your personal memory layer — everything your systems learn, kept and connected. Premium membership.
Paid Premium Get accessEducational only · Not financial advice · Results not guaranteed. These tools estimate from the numbers you enter; your own situation decides the answer.
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