Tracker ↗
Track your money systems in one clear view — free to use.
System Lab ↗
Design and stress-test your own money systems — free to use.
Yield Calculator ↗
Run the numbers on any yield, instantly — free to use.
Benefits Decoder ↗
See what a health plan really costs you — free to use.
First Money ↗
The money course school never gave you — free to use.
True Cost of Where You Live ↗
The real all-in cost of any place, rent or buy — free to use.
Car-Deal Decoder ↗
What that dealer financing is really costing you — free to use.
Job-Offer Comparator ↗
Compare two job offers on true total value — free to use.
First Money: College Edition ↗
Money for the college years, loans to first job — free to use.
Social Security Optimizer ↗
When to claim — 62, full age, or 70 — free to use.
Insurance Policy Decoder ↗
Are you underinsured? What's actually excluded — free to use.
Benefits Eligibility Screener ↗
What assistance you likely qualify for — free to use.
Life Insurance Decoder ↗
How much you need, and term vs whole — free to use.
Roth Conversion Calculator ↗
How much to convert to fill your tax bracket — free to use.
401(k) Rollover Decoder ↗
Leave it, roll it, or cash out — the real cost — free to use.
Pension: Lump-Sum vs Annuity ↗
Which pension option actually pays more — free to use.
Long-Term-Care & Medicaid Decoder ↗
What care costs and how spend-down works — free to use.
Escrow & Mortgage-Statement Decoder ↗
Why your mortgage payment jumped — free to use.
PMI Removal Decoder ↗
When and how to drop PMI — and save — free to use.
Business Write-Off Explainer ↗
What's actually deductible vs myth — free to use.
Estate & Will Decoder ↗
Which estate documents you actually need — free to use.
Balance-Transfer Calculator ↗
Will a 0% transfer actually save you? — free to use.
Financial Simulator ↗
Paper-trading arena — watch the AI competition free; run your own sims on Premium.
Crypto Loan Lab ↗
Would your crypto-backed loan have survived history? — free to use.
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.
An account is free and gets you the three tools below plus your own hub page. If you already joined the community or bought a tool, create your account with that same email and it unlocks on its own. The three tools below stay open with no account either way.
Onyx
Onyx — your Obsidian Metrics AI. Voice, briefings, and answers. VIP membership.
VIP Get access ›Tephra
Your personal memory layer — everything your systems learn, kept and connected. Premium membership.
Premium Get access ›