Editorial & Accuracy

Formulas last reviewed: 2026-10-17

Every WealthVitals tool uses a standard, published method. Results are estimates, not advice.

Calorie & Macro / TDEE

Mifflin-St Jeor BMR multiplied by an activity factor (1.2–1.9).

BMI

Weight (kg) ÷ height (m)².

Body Fat

US Navy circumference method.

Mortgage / Loan

Standard amortization: M = P·r(1+r)^n ÷ ((1+r)^n − 1).

Compound Interest / Investment

A = P(1 + r/n)^(nt) plus regular contributions.

Debt & Credit Card Payoff

Month-by-month balance simulation with monthly interest; avalanche and snowball ordering.

Budget

50/30/20 split of after-tax income.

Tax & Take-Home Pay

Federal brackets and FICA rates from a single yearly tax configuration.

Retirement

Future value of current savings and contributions vs. a target based on desired income.

Emergency Fund

Monthly essential expenses × months of coverage, minus current savings.

Net Worth

Total assets minus total liabilities.

Water Intake

Body-weight based range with general adjustments for exercise and heat.

Pregnancy Due Date

Naegele's rule (LMP + 280 days), adjusted for cycle length.

Rent vs Buy

Year-by-year cost and equity comparison over the chosen horizon.

Mental Health Self-Assessment

Self-scored wellness questionnaire; not a diagnosis.

Workout Plan

Rule-based plan built from your equipment, level, and schedule.

WealthVitals tools provide estimates for educational purposes only and are not financial, tax, investment, medical, or mental health advice. Results vary.