Two options, one number
Each comparison lays out the honest case for both sides, then hands you the calculator that settles it with your own figures.
Settlement vs Trial
Run the expected value with an honest win probability. If trial only wins by a small margin, the certainty of settling is usually worth more than the difference.
Includes a calculator15-Year vs 30-Year Mortgage
The 15-year wins on cost; the 30-year wins on flexibility. A 30-year paid on a 15-year schedule captures most of both, provided you actually make the extra payment.
Includes a calculatorHigh vs Low Deductible
Compare the annual premium saving against the deductible gap. If it takes fewer claim-free years than you realistically expect, the high deductible wins.
Includes a calculatorBalance Transfer vs Consolidation Loan
If you can clear the balance within the promotional period, the transfer wins. If you need three or more years, the fixed payoff date of a loan is worth the interest.
Includes a calculatorEOR vs Own Entity
Below roughly ten employees in a country the EOR nearly always wins. Above that, run the break-even and factor in how permanent the market commitment really is.
Includes a calculatorSolar vs Staying on the Grid
Payback is driven by your electricity rate and how much generation you use directly. Above about 18 cents per kWh with high daytime use, the case is usually strong.
Includes a calculator401(k) vs IRA
This is rarely either-or. Contribute to the 401(k) at least up to the full employer match, then use an IRA for the flexibility and lower fees, then return to the 401(k) if you still have capacity.
Includes a calculatorHigh-Yield Savings vs CD
Keep the emergency fund in instant-access savings and use CDs only for money with a known date. If rates look likely to fall, locking a term becomes more attractive.
Includes a calculatorSIP vs Lump Sum Investing
If the money already exists, lump sum wins on average but carries timing risk. If it arrives monthly, a SIP is not a compromise — it is simply the correct method for that cash flow.
Includes a calculatorStandard Deduction vs Itemising in 2026
Add your SALT (capped), mortgage interest, donations and qualifying medical costs. Itemise only if the total clears your standard deduction — and remember the four new deductions apply either way.
Includes a calculator