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Decision Lab

Your household's
financial analysis engine

24 guided analyses across retirement, debt, housing, taxes, career, and financial freedom — powered entirely by the numbers you've already entered in HelloMula. No generic estimates. Real calculations from your real data.

Try Decision Lab Free Get Household — $79/yr

How Decision Lab works

Each module reads the accounts, transactions, and balances you've already entered and runs a focused analysis. You get a clear calculation — not a generic estimate.

1

Your data is already there

Every analysis reads from the accounts, transactions, and balances you've entered — nothing extra to set up.

2

Pick a module

Browse by category — retirement, debt, housing, career — and open any module that matches your current question.

3

See your real numbers

Results are saved so you can track how your numbers change over time — and household members can review analyses together in the household view.

A HelloMula Emergency Fund analysis showing the recommended action, the reasoning behind it, the financial impact, a table of key numbers, and suggested next steps.
Every analysis answers the same four things: what it found, why, what it’s worth, and what would change it. Example household; figures are illustrative.
Tutorial 5 · Can I Afford This? Plan Ahead with the Decision Lab
Tutorial 10 · Financial Health Score, Home Affordability and Tax Estimate

A retirement number with the tax bill already in it

If your savings sit in a traditional 401(k), spending $80,000 means withdrawing considerably more than $80,000. HelloMula solves for that gross figure in every year of retirement — bracket by bracket, with Social Security taxed under the provisional-income rule — then runs 1,000 simulations and shows you the spread rather than one false-precision number. Adjust any assumption in the play zone and watch the probability move.

HelloMula retirement projection showing a 69.2 percent probability of success gauge, the assumptions used, and a percentile fan chart of portfolio value from now through age 90.
Example household; figures are illustrative and not a prediction. See how this is calculated.

Financial Health

A composite picture of where your household stands right now.

Starter

Financial Health Score

A composite score across savings rate, debt load, spending habits, and goal progress. Know at a glance if your household is on track.

Savings & Emergency Fund

Are you saving enough — and is your safety net the right size?

Starter

Emergency Fund Calculator

Calculates exactly how large your emergency fund should be based on your real monthly expenses — not a generic "3-6 months" estimate.

Starter

Savings Rate Analysis

How much of your income are you actually saving each month? Compared against common benchmarks for your income level.

Household

Savings Rate Opportunities

Analyzes your actual cashflow and spending categories to show where you have room to grow your savings rate.

Household

Save More Money

Analyzes your spending patterns to show specific areas where redirecting dollars could accelerate your savings goals.

Retirement Planning

From contribution modelling to a 1,000-scenario portfolio projection that carries federal tax through every withdrawal year.

Household

401(k) Contribution Analysis

Models how different contribution levels affect your projected retirement balance, based on your income, current savings, and projected retirement needs.

Household

Roth Conversion Analysis

Models the tax impact and long-term balance difference of converting traditional retirement funds to Roth, using your actual account balances and income.

Household

Backdoor Roth Analysis

If you're over the Roth income limit, this module walks through the backdoor Roth mechanics and models the long-term numbers based on your income and account balances.

Household

Retirement Needs Calculator

How much will you actually need in retirement? Calculated from your real spending history, not generic assumptions.

Household

Safe Retirement Date

Based on your current savings trajectory, investment balances, and projected needs — when can you actually retire?

Household

Portfolio Projection (Monte Carlo)

1,000 simulated market scenarios showing the probability your money lasts — with federal income tax on every withdrawal, your Social Security taxed under the provisional-income rule, and brackets indexed forward each year. Most projections debit the portfolio in pre-tax dollars and quietly overstate your odds. See how this is calculated.

Household

RMD Calculator

Calculates your exact Required Minimum Distribution for any year, models a multi-year withdrawal schedule, and surfaces strategies — like QCDs and Roth conversions — to soften the tax impact.

Financial Freedom

When can you stop working by choice? These modules calculate your path to financial independence.

Household

Financial Freedom Date

Calculates the exact date your passive income and savings will cover your expenses — your personal financial independence date.

Household

Financial Freedom Calculator

Model scenarios: what if you increased savings by 10%? Changed spending? Got a raise? See how each change moves your FI date.

Debt Strategy

Stop guessing the fastest or cheapest way out of debt. These modules run the math on your actual balances and rates — so you can see exactly which approach costs less interest and gets you there faster.

Starter

Debt Payoff Strategy

Compares avalanche (highest interest first) vs. snowball (smallest balance first) methods using your actual debt balances. Shows payoff date and total interest for each.

Starter

Mortgage Payoff Analysis

How much would an extra $200/month shave off your mortgage? Models extra payment scenarios and shows the interest savings in dollars.

Housing

One of the biggest financial decisions you'll make — modeled with real numbers, not online calculator guesses.

Starter

Buy vs. Rent Analysis

A true apples-to-apples comparison of buying vs. renting that accounts for your current rent, home prices in your area, investment opportunity cost, and time horizon.

Starter

Home Affordability Calculator

Based on your actual income, existing debts, and spending habits — what home price range can your household realistically afford?

Education, Career, Taxes & More

Major life and financial decisions — modeled with your real numbers.

Starter

College Savings Planner

How much do you need to save per month to fund a child's college education? Models 529 growth and tuition inflation scenarios.

Household

Insurance Coverage Analyzer

Compares your life, disability, and liability coverage levels against your household's financial obligations to show where gaps or overlaps may exist.

Starter

Career Income Decision

Comparing a job offer or career change? Models the full financial impact — salary, benefits, commute costs, and long-term trajectory.

Household

Vehicle Purchase Analysis

Buy or lease? New or used? Models the 5-year total cost of ownership for any vehicle scenario based on your actual budget and driving needs.

Starter

Salary Benchmark

Compares your income against national BLS wage data for your occupation. See your percentile, your distance from the median, 75th, and 90th percentiles, and what moves would close the gap.

Household

Federal Tax Estimator

Estimates your federal income tax, effective rate, and marginal rate from your income and filing status — with a full bracket breakdown, FICA taxes, and opportunities to lower your bill.

Plan availability: Ten analyses are on the free plan — every one tied to a decision you might be making right now, including mortgage payoff, house affordability, buy vs rent, the salary benchmark, a career change and college savings. The remaining fourteen, including the retirement projection and the federal tax estimator, are on the Household plan at $7.99 a month or $79 a year. See the full comparison →

Run the numbers on your own situation

Ten analyses free for households up to 2 members. No credit card required.

Try Decision Lab Free Get Household — $79/yr

Household unlocks all 24 analyses, including the retirement projection and the federal tax estimator.