Tools
Tools
Each tool answers one decision question from figures you enter yourself, shows the formula it used, and states what it cannot tell you. The library is organised by the decision you are trying to make rather than by the arithmetic behind it.
Published tools
Before you invest
Investing
Investment Fee Drag Calculator
How much could fees reduce your future investment value?
Converts recurring percentage and fixed investment costs into a projected end-value effect under your own assumptions, and separates the amounts deducted from their compounding effect.
What a UBWHY tool does, and what it never does
A calculator that returns a number and stops is not useful for a decision. Every tool here shows its formula and its event order, separates what was actually deducted from what the model derived, states the assumptions it made on your behalf, and links to an explainer that teaches the mechanism without needing your figures at all.
- No tool reaches a verdict about a product, a provider or a platform.
- No tool carries an affiliate link, a referral code or a sponsored placement, and the registry behind these pages has no field that could hold one.
- No tool prefills a market return, a benchmark fee or a "typical" anything.
- No tool stores what you enter. The calculation runs in your browser; UBWHY does not receive the values, writes them to no cookie and no storage, and places them in no URL.
- No tool gives financial, legal or tax advice, or knows anything about your circumstances.
The library is being built out. Tools appear here when they are finished, tested and reviewed — never as a placeholder for something that does not exist yet.