For firefighters
A coach in your corner.
Overtime, shift trades, the pension clock. Read for your review, every payday.
Built for the firehouse
Three calculators, free to use, on your own numbers.
Build your budgetYour check, your bills, and what is actually left over. Built from the stub you snapped.Open itOvertime calculatorWhat an overtime shift actually pays you after tax, not what the hourly rate suggests.Open itYour retirementA designed firefighter example: see what invested savings can build while pension dollars stay held. Choose your department after you open an account.Open it
Every finished calculator is free to open; the answer unlocks with a free account, no card required. Rough estimates, not a benefit determination.
OAKLAND FIRE · DE-IDENTIFIEDPILOT · CHECK THE FIGURES
- Base pay · 106 hours$4,876
- Overtime · 2 tours+$824
- STO · shift trade+$412A paid shift trade, not overtime. Different pay code, different tax picture. Most apps lump it in; we read the difference.
- Pension contribution−$389
- Roth 457 · after tax−$150
5 lines, added up$5,573
Before tax withholding. There is no tax line on this card.
Pay-code dictionaries checked line by line against a real paystub: Chelmsford Fire and Oakland Fire. FDNY and San Francisco Fire were built from real paystubs, but that check has not passed for them yet.
The OT check that felt smaller than the tour was worth.
We show the real after-tax value of an extra tour in dollars, from your own rate.
"When can I go?"
Your pension as a percent of pay, by exit year. The full curve is coming; the honest read is here today.
The 457 you keep meaning to raise.
One concrete move, math shown: a $50 bump that costs about $37 a check before tax.
How it works
- Snap your stub.
- We read it and tell you what it says.
- Goals and retirement.
- If you'd like, link your accounts and see where your real spending pulls away from your plan.
- We ask you to black out your member name, SSN, and street address. What you black out is covered in the image on your device before it is sent. You can also crop away part of the page. The uploaded image is stored transiently while it is read, then deleted when the read completes, in all cases within approximately one hour.
- We help you understand your money and build a plan that fits your life. You stay in control. If you link accounts later, it is read-only.
- Educational, not financial advice. We organize your check and your plan. We do not manage investments.
Snap my stub
No account needed to start. About 90 seconds.