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5 structured paths · 9 in-depth guides · Connected calculators · Track your progress
Start Learning →Ted & Joe Financial
Practical investing guidance for everyday people. Start with free tools, then unlock premium access to advanced planning and portfolio analytics.
No sales pitches, no broker markups—just calculators designed to help you analyze your portfolio objectively.
Model long-term growth with separated capital appreciation and dividend cash flows.
Try Free →Determine how inflation erodes purchasing power and calculate the real value of future savings.
Try Free →Calculate exactly how much you need to save monthly to reach your future target amount.
Try Free →Accelerate your debt payoff strategy using Snowball or Avalanche optimization models.
Unlock Advanced →Run Monte Carlo simulations to calculate your retirement savings success rates.
Unlock Advanced →Evaluate asset allocation weightings, standard deviation risk, and rebalancing thresholds.
Unlock Advanced →Maximize after-tax returns by placing investments in the most tax-efficient account types.
Unlock Advanced →Calculate your Financial Independence number and test early retirement with Monte Carlo simulations.
Unlock Advanced →Optimize conversions from pre-tax to post-tax retirement accounts to minimize lifetime taxes.
Unlock Advanced →Get a comprehensive assessment across 7 dimensions with personalized action plans to improve your financial wellbeing.
Unlock Advanced →Simple, durable principles that outperform complexity over time.
Move beyond basic calculators with advanced portfolio analysis, retirement stress-testing, and debt optimization. One subscription unlocks everything.
Compare current holdings against target allocations, calculate rebalancing actions, and visualize portfolio risk metrics in real-time.
Run 1,000+ scenario simulations to calculate your retirement success probability under different market conditions.
Compare Snowball vs. Avalanche strategies, calculate interest savings, and create an optimized payoff timeline.
Progress from investing fundamentals to advanced portfolio strategy. Each path connects guides with interactive calculators.
5 structured paths · 9 in-depth guides · Connected calculators · Track your progress
Start Learning →A father, his son, and a belief that personal finance does not have to be difficult.
Everything at Ted & Joe started with one question: how do you explain investing to a six-year-old? The answer turned into a website.
Joe is the dad—the one who spent years wading through jargon-heavy financial content and wished someone would just explain it directly. Ted is his son, the reason this all matters, and the reason the long game is worth playing.
Everything here is written with that in mind: clear, honest, and useful whether you're 26 or 66. No ads, no hidden agendas—just math.
Everything you need to know about Premium Access and our tools.
Premium unlocks six advanced calculators: Portfolio Analyzer, Retirement Monte Carlo Planner, Debt Accelerator, Asset Location Optimizer, FIRE Calculator, Retirement Account Conversion Planner, and Financial Health Score. You also get the ability to save custom scenarios and access all premium guides and strategy templates.
Yes! We offer a 30-day money-back guarantee. If you're not satisfied with Premium Access, simply contact us within 30 days for a full refund—no questions asked.
Absolutely. You can cancel your subscription at any time through your account settings or by contacting us. There are no long-term contracts or cancellation fees.
Yes. We use bank-level encryption and never sell your data. Your information is stored securely and used only to provide our services. We don't share data with third parties.
No. Ted & Joe provides educational tools and calculators for informational purposes only. We are not registered financial advisors. Always consult a licensed professional for personalized financial advice.