Kill Shot
Expose your original debt costs, establish a baseline, and choose additional affordable principal-reducing payments. Keep your effort intentional as the balance falls.
DEBT ELIMINATION · BALANCE DOWN
Financial Lifestyle Operating System
Make every dollar move with intention.
Eliminate debt with Kill Shots. Build toward money goals with Growth Shots. One financial framework, two directions, unlimited objectives.
EXPOSE → FREEZE → ATTACK → TRACK → ESCALATE
The FLOS method
Two directions. One disciplined system.
Use a frozen starting benchmark to stay focused as your financial position changes. With debt, the goal is to bring the balance down. With savings, the goal is to build the balance up.
Growth Shot
Define a money goal and target date. Freeze the starting daily contribution target, track your actual progress, and make affordable contributions as you go.
GOAL FUNDING · BALANCE UP
01 EXPOSE
02 FREEZE
03 ATTACK
04 TRACK
05 ESCALATE
Protect the foundation
Keep essentials covered before attacking another goal.
Use the FLOS Cash Floor Calculator to reserve money for bills, food, transportation, other essential costs, and a safety cushion. It shows how much is genuinely available for savings, Kill Shots, and Growth Shots — and when to hold off.
Calculate My Cash Floor →Real Estate Wealth Engine
Give every real-estate dollar an assignment.
The 1:2:6 Real Estate Vault Split allocates the amount you choose across three long-term funding goals: Arrived (1/9), REITs (2/9), and direct land acquisition (6/9). The split adds up to the cent.
1:2:6 Vault Split
Quickly divide real estate funding capital, copy allocations for your SoFi Vaults, and optionally track past contributions on this device.
ARRIVED · REITs · LAND
Explore all 17 tools
Use UNO Reverse, Cash Floor, and 15 additional calculators for your financial planning.
COMPLETE FLOS CALCULATOR LIBRARY
Practical financial education
A calculator you can actually use.
Type your numbers and see live debt and savings calculations immediately. Enter your own numbers from $0, see immediate results or use the Calculate Now buttons, and try the straightforward funding route: priority savings, then one affordable Kill or Growth Shot, then your 50/30/10/10 breakdown of the remainder.
Private by design
The calculator runs locally in your browser. Its financial inputs are not submitted by the calculator to a server. No account, signup, or bank connection is required.